Cumberland County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cumberland County, TN distress report, 2026: 11 ZIPs scored in Cumberland, TN, Cumberland, TN average 17/100; the top Cumberland, TN ZIP is 37854 at 20/100; Cumberland, TN market phase peak, Cumberland, TN prices +2.0% year over year.
- Cumberland, TN ranks #2,391 nationally (opportunity index); Cumberland, TN #79 in Tennessee; Cumberland, TN index 26.3.
- Cumberland, TN: no CFPB county sample; Cumberland, TN non-metro area reading 1.3%.
- Cumberland, TN ZIP phases: 11 peak.
- Cumberland, TN residential listings tracked: 17 across 6 ZIPs; Cumberland, TN candidate listings 12.
- Cumberland, TN HUD assisted properties: 6 with 116 units.
- Cumberland, TN lenders on watch: 6; largest Cumberland, TN footprint One Bank Of Tennessee (4 branches).
- Cumberland, TN most distressed ZIP: 37854 at 20/100.
Cumberland, TN figures: DLRadar distress index; Cumberland, TN inputs: CFPB, FHFA, HUD, FDIC; Cumberland, TN rebuilt as sources refresh.
| Rank | Cumberland, TN ZIP | Score |
|---|---|---|
| 1 | 37854 | 20/100 |
| 2 | 38574 | 19/100 |
| 3 | 37723 | 18/100 |
| 4 | 38555 | 18/100 |
| 5 | 38558 | 18/100 |
| 6 | 38571 | 18/100 |
| 7 | 38578 | 18/100 |
| 8 | 37337 | 17/100 |
| 9 | 38572 | 17/100 |
| 10 | 38583 | 15/100 |
| 11 | 37367 | 12/100 |
Most distressed Cumberland, TN ZIPs (0-100, 2026)
Mortgage delinquency around Cumberland, TN
No CFPB county sample covers Cumberland, TN; the non-metro area reading for Cumberland, TN: 1.3% ninety-plus; Cumberland, TN area thirty-to-eighty-nine 3.3% (December 2025, Cumberland, TN); Tennessee overall 0.9%.
Opportunity index: Cumberland, TN
Cumberland, TN index 26.3, Cumberland, TN phase weak; Cumberland, TN primary driver vacancy, Cumberland, TN second driver bank institutional. Cumberland, TN components: property stress 17.2, foreclosure pressure 18.2, listing discounts 22.5, bank stress 54.0, insurance 0.0; Cumberland, TN pulse 29.3; Cumberland, TN capital opportunity 21.7; Cumberland, TN seven-day change +0.3%.
ZIP market phases inside Cumberland, TN
11 Cumberland, TN ZIPs carry a price-cycle phase; Cumberland, TN ZIPs by phase (Cumberland, TN), deepest drawdown first: peak, +2.5% YoY (Cumberland, TN): 37337; peak, +2.8% YoY (Cumberland, TN): 37367; peak, +2.0% YoY (Cumberland, TN): 37723, 38555, 38558, 38571, Cumberland, TN 38578; peak, +3.1% YoY (Cumberland, TN): 37854; peak, +2.1% YoY (Cumberland, TN): 38572, 38574, 38583.
Residential listings by Cumberland, TN ZIP
Cumberland, TN ZIPs with the most tracked Cumberland, TN residential listings: 38558 8 listings, 8 candidates, bank pressure 52; 38572 5 listings, 3 candidates, bank pressure 54; 38571 4 listings, 1 candidates, bank pressure 52; 37723 0 listings, 0 candidates, bank pressure 52 (Cumberland, TN); 38555 0 listings, 0 candidates, bank pressure 52; 38578 0 listings, 0 candidates, bank pressure 52. Cumberland, TN totals: 17 listings; Cumberland, TN candidates 12; active ZIPs 3.
HUD assisted housing in Cumberland, TN
6 assisted properties with 116 units sit in Cumberland, TN; largest Cumberland, TN properties: Ivy Avenue Apartments (Crossville) 50 units, 49 assisted; Highland Manor Apts. (Monterey) 23 units, 22 assisted; Azalea Gardens (Crossville) 15 units, 15 assisted in Cumberland, TN; Oakmont Gardens Apartments (Crossville) 12 units, 12 assisted; Teresa Gardens (Crossville) 10 units, 10 assisted; Micki Thompson Memorial Apartments (Crossville) 6 units, 5 assisted.
Lenders with branches in Cumberland, TN
Cumberland, TN lenders by branch count: One Bank Of Tennessee (Cumberland, TN): stress 52, 4 branches low in Cumberland, TN; First Nb Of Tennessee (Cumberland, TN): stress 43, 2 branches low in Cumberland, TN; Highland Fs&La (Cumberland, TN): stress 39, 2 branches low in Cumberland, TN; First Farmers&Commercial Bk (Cumberland, TN): stress 75, 1 branch low in Cumberland, TN; Smartbank (Cumberland, TN): stress 65, 1 branch low in Cumberland, TN; Firstbank (Cumberland, TN): stress 55, 1 branch low in Cumberland, TN.
Vacancy and permits, Cumberland, TN
3,260 of 31,455 Cumberland, TN housing units are vacant; Cumberland, TN permits, twelve months: 0 multifamily units in Cumberland, TN, 114 one-to-four unit units.
Work Cumberland, TN at the parcel level
Every Cumberland, TN parcel carries owner and address; every Cumberland, TN parcel carries APN; Cumberland, TN distress scores sit on the Cumberland, TN live board.
Cumberland, TN figures refresh with each source.
Cumberland, TN questions
Most distressed ZIP code in Cumberland County, TN?
ZIP 37854 leads Cumberland, TN at 20/100; next in Cumberland, TN: 38574 at 19/100; the Cumberland, TN average is 17/100.
Where does Cumberland County, TN rank for investment opportunity?
Cumberland, TN is #2,391 among all ranked counties, #79 in Tennessee; the Cumberland, TN driver is vacancy; Cumberland, TN moved up 69 places.
How many mortgages are delinquent in Cumberland County, TN?
Cumberland, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Cumberland, TN.
Which banks lend in Cumberland County, TN?
6 watched lenders hold Cumberland, TN branches; the largest Cumberland, TN footprints are One Bank Of Tennessee (4), First Nb Of Tennessee (2), Highland Fs&La (2).
More on Cumberland, TN
Cumberland County, TN distress report: public-record figures for Cumberland, TN; not legal advice for Cumberland, TN; not tax or investment advice; verify every Cumberland, TN record before acting.