Franklin County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Tennessee? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 37328 at 22/100.
- 16 ZIP codes tracked in Franklin County, averaging 18/100 distress.
- Franklin County reads peak — home values up 2.0% year over year.
- Vacancy runs 14.7% across Franklin County's tracked ZIPs, with a 16.7% poverty rate.
- The typical Franklin County home is worth about $231,667 against a ~$59,305 median income.
- Lending headwind in Franklin County sits at 32/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37328 | 22/100 |
| 2 | 37335 | 22/100 |
| 3 | 37318 | 19/100 |
| 4 | 37324 | 19/100 |
| 5 | 37330 | 19/100 |
| 6 | 37345 | 19/100 |
| 7 | 37376 | 19/100 |
| 8 | 37383 | 19/100 |
| 9 | 37388 | 19/100 |
| 10 | 37306 | 18/100 |
| 11 | 37375 | 18/100 |
| 12 | 37398 | 18/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
Nothing here is estimated: Franklin County is scored from filings alone, and its ZIPs average 18/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Franklin County market phase and pricing
The cycle in Franklin County is peak, with values up 2.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Franklin County
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Frequently asked questions
Which ZIP code leads Franklin County on distress?
ZIP 37328 leads Franklin County at 22/100, recomputed monthly from public records.
Which phase does Franklin County sit in right now?
Franklin County reads peak, with home prices up 2.0% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Franklin County numbers?
Each Franklin 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 16 local ZIPs and every other county in the country.
How much do distress scores vary between Franklin County ZIP codes?
The county figure is a blend, not a description. Across the Franklin County ZIPs DLRadar ranks, scores run from 22/100 in 37328 down to 18/100 in 37398, against a Franklin County average of 18/100. That 4-point gap is why acquisition targeting in Franklin County works at ZIP level rather than county level.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $231,667 of value against a median household income near $59,305. Vacancy across Franklin County's tracked ZIPs runs 14.7% and the poverty rate is 16.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Franklin County's foreclosure and lien data and its 32/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.