Carroll County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carroll County, Tennessee? DLRadar grades every Carroll County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Carroll County breakdown.
- Carroll County's most distressed ZIP is 38305 at 30/100.
- 14 ZIP codes tracked in Carroll County, averaging 19/100 distress.
- Carroll County reads peak — home values up 2.8% year over year.
- Vacancy runs 16.5% across Carroll County's tracked ZIPs, with a 16.4% poverty rate.
- The typical Carroll County home is worth about $139,871 against a ~$59,511 median income.
- Lending headwind in Carroll County sits at 48/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38305 | 30/100 |
| 2 | 38201 | 22/100 |
| 3 | 38341 | 22/100 |
| 4 | 38220 | 19/100 |
| 5 | 38321 | 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 ZIP codes in Carroll County (composite distress 0-100, 2026)
What is driving Carroll County distress
The Carroll County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 19/100 ZIP average. No proprietary or modelled inputs enter the score.
Carroll County market phase and pricing
Carroll County currently sits in peak after a 2.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Carroll County
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Frequently asked
Which Carroll County ZIP scores worst for distress?
ZIP 38305 leads Carroll County at 30/100, recomputed monthly from public records.
What market phase is Carroll County in?
Carroll County is classified peak with a 2.8% year-over-year increase, following the FHFA House Price Index.
What is this Carroll County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 14 Carroll County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Carroll County ZIP codes?
A county average hides the spread. Across the Carroll County ZIPs DLRadar ranks, scores run from 30/100 in 38305 down to 17/100 in 38344, against a Carroll County average of 19/100. Because the gap runs to 13 points, Carroll County rewards ZIP-level precision.
What do Carroll County home values and vacancy say about distressed supply?
The typical Carroll County home carries about $139,871 of value against a median household income near $59,511. Vacancy across Carroll County's tracked ZIPs runs 16.5% and the poverty rate is 16.4%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Carroll County's foreclosure and lien data and its 48/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.