ZIP 38305 Property Distress & Foreclosure Data

Composite property distress in 38305 (Madison County, Tennessee) lands at 31/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (68/100), construction/permit lag (54/100), institutional ownership (49/100). mortgage stress (19/100) stay muted. The latent-versus-live split is 68/100 structural and 6/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (79/100).

Prices here sit in a peak phase: values rose 2.1% over the trailing year, and 14% higher over three years (phase confidence 44/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $243,800 (3.3× income, relatively affordable). The poverty rate is 14.7%. At $66,292, median income runs below typical U.S. levels. Around 32% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 32/100. The ZIP holds roughly 23,270 housing units. Around 48% of renters are cost-burdened. 53,366 residents call 38305 home, typically aged 38. 65% of housing is owner-occupied. The vacancy rate is 7.0%.

Overall, 38305 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.