Dekalb County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Dekalb County, TN distress report, 2026: 11 ZIPs scored in Dekalb, TN, Dekalb, TN average 17/100; the top Dekalb, TN ZIP is 38544 at 23/100; Dekalb, TN market phase peak, Dekalb, TN prices +2.8% year over year.
- Dekalb, TN ranks #2,467 nationally (opportunity index); Dekalb, TN #78 in Tennessee; Dekalb, TN index 26.0.
- Dekalb, TN: no CFPB county sample; Dekalb, TN non-metro area reading 1.3%.
- Dekalb, TN ZIP phases: 11 peak.
- Dekalb, TN residential listings tracked: 7 across 4 ZIPs; Dekalb, TN candidate listings 2.
- Dekalb, TN HUD assisted properties: 4 with 97 units.
- Dekalb, TN lenders on watch: 3; largest Dekalb, TN footprint Wellworth Bank (2 branches).
- Dekalb, TN most distressed ZIP: 38544 at 23/100.
Dekalb, TN figures: DLRadar distress index; Dekalb, TN inputs: CFPB, FHFA, HUD, FDIC; Dekalb, TN rebuilt as sources refresh.
| Rank | Dekalb, TN ZIP | Score |
|---|---|---|
| 1 | 38544 | 23/100 |
| 2 | 38548 | 22/100 |
| 3 | 37012 | 19/100 |
| 4 | 38582 | 19/100 |
| 5 | 38581 | 18/100 |
| 6 | 38567 | 17/100 |
| 7 | 37095 | 15/100 |
| 8 | 38569 | 15/100 |
| 9 | 38583 | 15/100 |
| 10 | 37166 | 13/100 |
| 11 | 37059 | 12/100 |
Most distressed Dekalb, TN ZIPs (0-100, 2026)
Mortgage delinquency around Dekalb, TN
No CFPB county sample covers Dekalb, TN; the non-metro area reading for Dekalb, TN: 1.3% ninety-plus; Dekalb, TN area thirty-to-eighty-nine 3.3% (December 2025, Dekalb, TN); Tennessee overall 0.9%.
Opportunity index: Dekalb, TN
Dekalb, TN index 26.0, Dekalb, TN phase weak; Dekalb, TN primary driver vacancy, Dekalb, TN second driver bank institutional. Dekalb, TN components: property stress 16.8, foreclosure pressure 16.9, listing discounts 18.2, bank stress 51.5, insurance 0.0; Dekalb, TN pulse 29.8; Dekalb, TN capital opportunity 20.4; Dekalb, TN seven-day change -0.2%.
ZIP market phases inside Dekalb, TN
11 Dekalb, TN ZIPs carry a price-cycle phase; Dekalb, TN ZIPs by phase (Dekalb, TN), deepest drawdown first: peak, +1.5% YoY, 0.2% off peak (Dekalb, TN): 38567; peak, +2.0% YoY, 0.1% off peak (Dekalb, TN): 38569; peak, +2.2% YoY, 0.1% off peak (Dekalb, TN): 37012; peak, +1.8% YoY, 0.1% off peak (Dekalb, TN): 38548; peak, +2.5% YoY, 0.1% off peak (Dekalb, TN): 37095; peak, +2.8% YoY, 0.0% off peak (Dekalb, TN): 37166; peak, +2.8% YoY (Dekalb, TN): 37059; peak, +2.1% YoY (Dekalb, TN): 38544, 38583; peak, +2.4% YoY (Dekalb, TN): 38581, 38582.
Residential listings by Dekalb, TN ZIP
Dekalb, TN ZIPs with the most tracked Dekalb, TN residential listings: 37166 5 listings, 1 candidates, bank pressure 59; 37095 2 listings, 1 candidates, bank pressure 62; 37012 0 listings, 0 candidates, bank pressure 61; 37059 0 listings, 0 candidates, bank pressure 60 (Dekalb, TN). Dekalb, TN totals: 7 listings; Dekalb, TN candidates 2; active ZIPs 0.
HUD assisted housing in Dekalb, TN
4 assisted properties with 97 units sit in Dekalb, TN; largest Dekalb, TN properties: Bell Street Apartments (Smithville) 40 units, 40 assisted; Evins Manor Apartments (Smithville) 32 units, 32 assisted; Fiddlers Manor (Smithville) 19 units, 18 assisted in Dekalb, TN; Prospect Place (Smithville) 6 units, 6 assisted.
Lenders with branches in Dekalb, TN
Dekalb, TN lenders by branch count: Wellworth Bank (Dekalb, TN): stress 65, 2 branches low in Dekalb, TN; Wilson Bank&Trust (Dekalb, TN): stress 61, 2 branches low in Dekalb, TN; Firstbank (Dekalb, TN): stress 55, 1 branch low in Dekalb, TN.
Vacancy and permits, Dekalb, TN
1,503 of 10,155 Dekalb, TN housing units are vacant; Dekalb, TN permits, twelve months: 0 multifamily units in Dekalb, TN, 152 one-to-four unit units.
Work Dekalb, TN at the parcel level
Every Dekalb, TN parcel carries owner and address; every Dekalb, TN parcel carries APN; Dekalb, TN distress scores sit on the Dekalb, TN live board.
Dekalb, TN figures refresh with each source.
Dekalb, TN questions
Most distressed ZIP code in Dekalb County, TN?
ZIP 38544 leads Dekalb, TN at 23/100; next in Dekalb, TN: 38548 at 22/100; the Dekalb, TN average is 17/100.
Where does Dekalb County, TN rank for investment opportunity?
Dekalb, TN is #2,467 among all ranked counties, #78 in Tennessee; the Dekalb, TN driver is vacancy; Dekalb, TN moved down 172 places.
How many mortgages are delinquent in Dekalb County, TN?
Dekalb, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Dekalb, TN.
Which banks lend in Dekalb County, TN?
3 watched lenders hold Dekalb, TN branches; the largest Dekalb, TN footprints are Wellworth Bank (2), Wilson Bank&Trust (2), Firstbank (1).
More on Dekalb, TN
Dekalb County, TN distress report: public-record figures for Dekalb, TN; not legal advice for Dekalb, TN; not tax or investment advice; verify every Dekalb, TN record before acting.