ZIP 38135 Property Distress & Foreclosure Data

Shelby County, Tennessee's ZIP 38135 registers 36/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The most distinctive pressure shows up in construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). By contrast, mortgage stress (20/100) register low. Structural risk reads 81/100 against active distress of 6/100.

The market reads recovery — home values rose 2.2% year on year, and 7% higher over three years, at 13/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 11,068 housing units across 38135. Home values center near $287,000, an affordability ratio of 2.9× — accessible. Vacancy runs 2.2%. Owners hold 81% of homes, renters 19%. 8.3% of residents fall below the poverty threshold. Median household income is $92,458, above the U.S. median near $78,000. Rent burden reaches 41% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. About 30,490 people live here, median age 41. Educational attainment sits at 38% bachelor's-or-above.

Net-net, 38135 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.