ZIP 38128 Property Distress & Foreclosure Data

In Shelby County, Tennessee, ZIP 38128 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structural risk reads 81/100 against active distress of 6/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). Its standout signals are construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). mortgage stress (20/100) stay muted.

Prices here sit in a recovery phase: values rose 2.2% over the trailing year, and 20% higher over three years, at 13/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The typical home is worth about $138,000 (2.9× income, relatively affordable). At $43,166, median income runs below typical U.S. levels. There are about 18,059 housing units across 38128. The demographic-stress sub-score lands at 37/100. 42% of housing is owner-occupied. Rent burden reaches 50% of tenant households. Vacancy runs 12.3%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 22.6% — high, a tax-stress and distress correlate. 44,027 residents call 38128 home, typically aged 31. Around 15% of adults hold a bachelor's degree or higher.

Taken together, 38128 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.