Carter County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carter County, Tennessee? DLRadar grades every Carter County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Carter County breakdown.
- Carter County's most distressed ZIP is 37604 at 35/100.
- 8 ZIP codes tracked in Carter County, averaging 31/100 distress.
- Carter County reads neutral — home values up 4.2% year over year.
- Vacancy runs 14.2% across Carter County's tracked ZIPs, with a 16.9% poverty rate.
- The typical Carter County home is worth about $184,486 against a ~$49,348 median income.
- Lending headwind in Carter County sits at 7/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37604 | 35/100 |
| 2 | 37601 | 33/100 |
| 3 | 37694 | 31/100 |
| 4 | 37643 | 30/100 |
| 5 | 37658 | 30/100 |
| 6 | 37682 | 30/100 |
| 7 | 37687 | 30/100 |
| 8 | 37640 | 27/100 |
Most distressed ZIP codes in Carter County (composite distress 0-100, 2026)
What is driving Carter County distress
Carter County's placement in the national index rests on public filings — a 31/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Carter County market phase and pricing
DLRadar places Carter County in neutral; prices moved up 4.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Carter County
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Frequently asked
What is the hardest-hit ZIP in Carter County?
ZIP 37604 leads Carter County at 35/100, recomputed monthly from public records.
What market phase is Carter County in?
Phase for Carter County: neutral, tracking a 4.2% gain year over year, read off the FHFA index.
What are the sources behind these Carter County numbers?
The inputs are all public: FHFA for the neutral path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 8 ZIP codes in Carter County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Carter County ZIP codes?
Averaging the county conceals how uneven it is. Across the Carter County ZIPs DLRadar ranks, scores run from 35/100 in 37604 down to 27/100 in 37640, against a Carter County average of 31/100. Those 8 points separate the ZIPs worth working in Carter County from the rest.
What do Carter County home values and vacancy say about distressed supply?
The typical Carter County home carries about $184,486 of value against a median household income near $49,348. Vacancy across Carter County's tracked ZIPs runs 14.2% and the poverty rate is 16.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Carter County's foreclosure and tax-lien filings and its 7/100 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.