Dekalb County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Dekalb County, Tennessee? DLRadar grades every Dekalb County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Dekalb County breakdown.
- Dekalb County's most distressed ZIP is 37012 at 19/100.
- 11 ZIP codes tracked in Dekalb County, averaging 16/100 distress.
- Dekalb County reads peak — home values up 2.8% year over year.
- Vacancy runs 17.4% across Dekalb County's tracked ZIPs, with a 17.2% poverty rate.
- The typical Dekalb County home is worth about $248,718 against a ~$56,829 median income.
- Lending headwind in Dekalb County sits at 48/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37012 | 19/100 |
| 2 | 38544 | 18/100 |
| 3 | 38548 | 18/100 |
| 4 | 38581 | 18/100 |
| 5 | 38567 | 17/100 |
| 6 | 37095 | 16/100 |
| 7 | 38569 | 16/100 |
| 8 | 38582 | 15/100 |
| 9 | 37166 | 14/100 |
| 10 | 38583 | 14/100 |
| 11 | 37059 | 13/100 |
Most distressed ZIP codes in Dekalb County (composite distress 0-100, 2026)
What is driving Dekalb County distress
The Dekalb County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 16/100 ZIP average. No proprietary or modelled inputs enter the score.
Dekalb County market phase and pricing
Dekalb County reads peak — home prices rose 2.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Dekalb County
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Common questions
Where is distress highest inside Dekalb County, TN?
ZIP 37012 leads Dekalb County at 19/100, recomputed monthly from public records.
Is Dekalb County expanding or contracting?
The market phase for Dekalb County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
Where does the Dekalb County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 11 Dekalb County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Dekalb County ZIP codes?
One county number flattens a wide range. Across the Dekalb County ZIPs DLRadar ranks, scores run from 19/100 in 37012 down to 13/100 in 37059, against a Dekalb County average of 16/100. Those 6 points separate the ZIPs worth working in Dekalb County from the rest.
What do Dekalb County home values and vacancy say about distressed supply?
The typical Dekalb County home carries about $248,718 of value against a median household income near $56,829. Vacancy across Dekalb County's tracked ZIPs runs 17.4% and the poverty rate is 17.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Dekalb County's foreclosure and tax-lien filings and its 48/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.