Fayette County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fayette County, Tennessee? DLRadar grades every Fayette County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Fayette County breakdown.
- Fayette County's most distressed ZIP is 38002 at 28/100.
- 15 ZIP codes tracked in Fayette County, averaging 20/100 distress.
- Fayette County reads peak — home values up 1.2% year over year.
- Vacancy runs 10.9% across Fayette County's tracked ZIPs, with a 11.3% poverty rate.
- The typical Fayette County home is worth about $268,600 against a ~$111,025 median income.
- Lending headwind in Fayette County sits at 50/100 — 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 | 38002 | 28/100 |
| 2 | 38017 | 25/100 |
| 3 | 38028 | 24/100 |
| 4 | 38049 | 22/100 |
| 5 | 38069 | 21/100 |
| 6 | 38042 | 20/100 |
| 7 | 38075 | 20/100 |
| 8 | 38036 | 18/100 |
| 9 | 38039 | 18/100 |
| 10 | 38046 | 18/100 |
| 11 | 38057 | 18/100 |
| 12 | 38060 | 18/100 |
Most distressed ZIP codes in Fayette County (composite distress 0-100, 2026)
What is driving Fayette County distress
The Fayette County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 20/100 ZIP average. No proprietary or modelled inputs enter the score.
Fayette County market phase and pricing
Fayette County currently sits in peak after a 1.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Fayette County
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Frequently asked questions
Which ZIP code leads Fayette County on distress?
ZIP 38002 leads Fayette County at 28/100, recomputed monthly from public records.
Is Fayette County expanding or contracting?
The market phase for Fayette County is peak, prices rising 1.2% on the year — derived from the FHFA House Price Index path.
Can the Fayette County figures be verified?
Each Fayette County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 15 local ZIPs and every other county in the country.
How much do distress scores vary between Fayette County ZIP codes?
One county number flattens a wide range. Across the Fayette County ZIPs DLRadar ranks, scores run from 28/100 in 38002 down to 18/100 in 38060, against a Fayette County average of 20/100. That 10-point gap is why acquisition targeting in Fayette County works at ZIP level rather than county level.
What do Fayette County home values and vacancy say about distressed supply?
The typical Fayette County home carries about $268,600 of value against a median household income near $111,025. Vacancy across Fayette County's tracked ZIPs runs 10.9% and the poverty rate is 11.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Fayette County's foreclosure and tax-lien filings and its 50/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.