Carroll County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carroll County, TN distress report, 2026: 14 ZIPs scored in Carroll, TN, Carroll, TN average 19/100; the top Carroll, TN ZIP is 38305 at 30/100; Carroll, TN market phase peak, Carroll, TN prices +2.8% year over year.
- Carroll, TN ranks #1,659 nationally (opportunity index); Carroll, TN #46 in Tennessee; Carroll, TN index 28.9.
- Carroll, TN: no CFPB county sample; Carroll, TN non-metro area reading 1.3%.
- Carroll, TN ZIP phases: 12 peak, 1 neutral, 1 expansion.
- Carroll, TN residential listings tracked: 14 across 12 ZIPs; Carroll, TN candidate listings 6.
- Carroll, TN HUD assisted properties: 1 with 40 units.
- Carroll, TN lenders on watch: 7; largest Carroll, TN footprint Firstbank (5 branches).
- Carroll, TN most distressed ZIP: 38305 at 30/100.
Carroll, TN figures: DLRadar distress index; Carroll, TN inputs: CFPB, FHFA, HUD, FDIC; Carroll, TN rebuilt as sources refresh.
| Rank | Carroll, TN ZIP | Score |
|---|---|---|
| 1 | 38305 | 30/100 |
| 2 | 38201 | 21/100 |
| 3 | 38220 | 19/100 |
| 4 | 38321 | 19/100 |
| 5 | 38341 | 19/100 |
| 6 | 38390 | 18/100 |
| 7 | 38235 | 17/100 |
| 8 | 38258 | 17/100 |
| 9 | 38317 | 17/100 |
| 10 | 38318 | 17/100 |
| 11 | 38342 | 17/100 |
| 12 | 38344 | 17/100 |
Most distressed Carroll, TN ZIPs (0-100, 2026)
Mortgage delinquency around Carroll, TN
No CFPB county sample covers Carroll, TN; the non-metro area reading for Carroll, TN: 1.3% ninety-plus; Carroll, TN area thirty-to-eighty-nine 3.3% (December 2025, Carroll, TN); Tennessee overall 0.9%.
Opportunity index: Carroll, TN
Carroll, TN index 28.9, Carroll, TN phase early_signal; Carroll, TN primary driver vacancy, Carroll, TN second driver bank institutional. Carroll, TN components: property stress 19.5, foreclosure pressure 19.7, listing discounts 31.5, bank stress 56.4, insurance 0.0; Carroll, TN pulse 31.3; Carroll, TN capital opportunity 25.2; Carroll, TN seven-day change -0.6%.
ZIP market phases inside Carroll, TN
14 Carroll, TN ZIPs carry a price-cycle phase; Carroll, TN ZIPs by phase (Carroll, TN), deepest drawdown first: peak, +2.5% YoY (Carroll, TN): 38201; neutral, +3.8% YoY (Carroll, TN): 38220; peak, +2.8% YoY (Carroll, TN): 38235, 38258, 38317, 38318, Carroll, TN 38321, 38341, 38342, 38344, Carroll, TN 38387, 38390; expansion, +6.2% YoY (Carroll, TN): 38305; peak, +2.9% YoY (Carroll, TN): 38348.
Residential listings by Carroll, TN ZIP
Carroll, TN ZIPs with the most tracked Carroll, TN residential listings: 38344 6 listings, 4 candidates, bank pressure 56; 38220 4 listings, 2 candidates, bank pressure 60; 38201 2 listings, 0 candidates, bank pressure 58; 38317 2 listings, 0 candidates, bank pressure 56 (Carroll, TN); 38235 0 listings, 0 candidates, bank pressure 56; 38258 0 listings, 0 candidates, bank pressure 56; 38318 0 listings, 0 candidates, bank pressure 56; 38321 0 listings, 0 candidates, bank pressure 61. Carroll, TN totals: 14 listings; Carroll, TN candidates 6; active ZIPs 3.
HUD assisted housing in Carroll, TN
1 assisted properties with 40 units sit in Carroll, TN; largest Carroll, TN properties: Hillcourt Apartments (Huntingdon) 40 units, 40 assisted.
Lenders with branches in Carroll, TN
Carroll, TN lenders by branch count: Firstbank (Carroll, TN): stress 55, 5 branches low in Carroll, TN; Carroll Bank&Trust (Carroll, TN): stress 81, 4 branches low in Carroll, TN; Centennial Bank (Carroll, TN): stress 70, 2 branches low in Carroll, TN; Foundation Bank (Carroll, TN): stress 37, 2 branches low in Carroll, TN; Lineage Bank (Carroll, TN): stress 80, 1 branch low in Carroll, TN; Bank Of Gleason (Carroll, TN): stress 40, 1 branch low in Carroll, TN; Apex Bank (Carroll, TN): stress 29, 1 branch low in Carroll, TN.
Vacancy and permits, Carroll, TN
1,559 of 13,100 Carroll, TN housing units are vacant; Carroll, TN permits, twelve months: 0 multifamily units in Carroll, TN, 16 one-to-four unit units.
Work Carroll, TN at the parcel level
Every Carroll, TN parcel carries owner and address; every Carroll, TN parcel carries APN; Carroll, TN distress scores sit on the Carroll, TN live board.
Carroll, TN figures refresh with each source.
Carroll, TN questions
Most distressed ZIP code in Carroll County, TN?
ZIP 38305 leads Carroll, TN at 30/100; next in Carroll, TN: 38201 at 21/100; the Carroll, TN average is 19/100.
Where does Carroll County, TN rank for investment opportunity?
Carroll, TN is #1,659 among all ranked counties, #46 in Tennessee; the Carroll, TN driver is vacancy; Carroll, TN moved up 273 places.
How many mortgages are delinquent in Carroll County, TN?
Carroll, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Carroll, TN.
Which banks lend in Carroll County, TN?
7 watched lenders hold Carroll, TN branches; the largest Carroll, TN footprints are Firstbank (5), Carroll Bank&Trust (4), Centennial Bank (2).
More on Carroll, TN
Carroll County, TN distress report: public-record figures for Carroll, TN; not legal advice for Carroll, TN; not tax or investment advice; verify every Carroll, TN record before acting.