Carter County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carter County, TN distress report, 2026: 8 ZIPs scored in Carter, TN, Carter, TN average 30/100; the top Carter, TN ZIP is 37604 at 33/100; Carter, TN market phase neutral, Carter, TN prices +4.2% year over year.
- Carter, TN ranks #1,280 nationally (opportunity index); Carter, TN #29 in Tennessee; Carter, TN index 30.2.
- Carter, TN: no CFPB county sample; Carter, TN metro area reading 0.7%.
- Carter, TN ZIP phases: 7 neutral, 1 peak.
- Carter, TN residential listings tracked: 7 across 5 ZIPs; Carter, TN candidate listings 2.
- Carter, TN HUD assisted properties: 2 with 147 units.
- Carter, TN lenders on watch: 3; largest Carter, TN footprint Bank Of Tennessee (5 branches).
- Carter, TN most distressed ZIP: 37604 at 33/100.
Carter, TN figures: DLRadar distress index; Carter, TN inputs: CFPB, FHFA, HUD, FDIC; Carter, TN rebuilt as sources refresh.
| Rank | Carter, TN ZIP | Score |
|---|---|---|
| 1 | 37604 | 33/100 |
| 2 | 37601 | 32/100 |
| 3 | 37694 | 30/100 |
| 4 | 37643 | 29/100 |
| 5 | 37658 | 29/100 |
| 6 | 37682 | 29/100 |
| 7 | 37687 | 29/100 |
| 8 | 37640 | 25/100 |
Most distressed Carter, TN ZIPs (0-100, 2026)
Mortgage delinquency around Carter, TN
No CFPB county sample covers Carter, TN; the metro area reading for Carter, TN (Johnson City, TN): 0.7% ninety-plus; Carter, TN area thirty-to-eighty-nine 2.7% (December 2025, Carter, TN); Tennessee overall 0.9%.
Opportunity index: Carter, TN
Carter, TN index 30.2, Carter, TN phase watchlist; Carter, TN primary driver construction, Carter, TN second driver vacancy. Carter, TN components: property stress 24.2, foreclosure pressure 23.3, listing discounts 27.7, bank stress 45.4, insurance 0.0; Carter, TN pulse 32.4; Carter, TN capital opportunity 26.8; Carter, TN seven-day change -0.8%.
ZIP market phases inside Carter, TN
8 Carter, TN ZIPs carry a price-cycle phase; Carter, TN ZIPs by phase (Carter, TN), deepest drawdown first: neutral, +3.8% YoY, 0.0% off peak (Carter, TN): 37694; neutral, +4.2% YoY (Carter, TN): 37601, 37604, 37643, 37658, Carter, TN 37682, 37687; peak, +3.3% YoY (Carter, TN): 37640.
Residential listings by Carter, TN ZIP
Carter, TN ZIPs with the most tracked Carter, TN residential listings: 37643 3 listings, 1 candidates, bank pressure 40; 37687 3 listings, 1 candidates, bank pressure 39; 37694 1 listings, 0 candidates, bank pressure 49; 37658 0 listings, 0 candidates, bank pressure 40 (Carter, TN); 37682 0 listings, 0 candidates, bank pressure 39. Carter, TN totals: 7 listings; Carter, TN candidates 2; active ZIPs 1.
HUD assisted housing in Carter, TN
2 assisted properties with 147 units sit in Carter, TN; largest Carter, TN properties: Lynnridge Apartments (Elizabethton) 101 units, 100 assisted; Franklin Place (Elizabethton) 46 units, 46 assisted.
Lenders with branches in Carter, TN
Carter, TN lenders by branch count: Bank Of Tennessee (Carter, TN): stress 59, 5 branches low in Carter, TN; Citizens Bank (Carter, TN): stress 42, 3 branches low in Carter, TN; Elizabethton Fsb (Carter, TN): stress 28, 2 branches low in Carter, TN.
Vacancy and permits, Carter, TN
3,693 of 28,118 Carter, TN housing units are vacant; Carter, TN permits, twelve months: 6 multifamily units in Carter, TN, 170 one-to-four unit units.
Work Carter, TN at the parcel level
Every Carter, TN parcel carries owner and address; every Carter, TN parcel carries APN; Carter, TN distress scores sit on the Carter, TN live board.
Carter, TN figures refresh with each source.
Carter, TN questions
Most distressed ZIP code in Carter County, TN?
ZIP 37604 leads Carter, TN at 33/100; next in Carter, TN: 37601 at 32/100; the Carter, TN average is 30/100.
Where does Carter County, TN rank for investment opportunity?
Carter, TN is #1,280 among all ranked counties, #29 in Tennessee; the Carter, TN driver is construction; Carter, TN moved up 345 places.
How many mortgages are delinquent in Carter County, TN?
Carter, TN takes the metro area reading of 0.7% for December 2025; no CFPB county sample covers Carter, TN.
Which banks lend in Carter County, TN?
3 watched lenders hold Carter, TN branches; the largest Carter, TN footprints are Bank Of Tennessee (5), Citizens Bank (3), Elizabethton Fsb (2).
More on Carter, TN
Carter County, TN distress report: public-record figures for Carter, TN; not legal advice for Carter, TN; not tax or investment advice; verify every Carter, TN record before acting.