Giles County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Giles County, Tennessee? DLRadar grades every Giles County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Giles County breakdown.
- Giles County's most distressed ZIP is 38451 at 27/100.
- 17 ZIP codes tracked in Giles County, averaging 23/100 distress.
- Giles County reads peak — home values up 2.8% year over year.
- Vacancy runs 13.2% across Giles County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Giles County home is worth about $259,953 against a ~$59,436 median income.
- Lending headwind in Giles County sits at 76/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38451 | 27/100 |
| 2 | 38474 | 26/100 |
| 3 | 38455 | 25/100 |
| 4 | 38460 | 25/100 |
| 5 | 38473 | 25/100 |
| 6 | 38477 | 25/100 |
| 7 | 38478 | 25/100 |
| 8 | 38472 | 24/100 |
| 9 | 38449 | 23/100 |
| 10 | 38453 | 22/100 |
| 11 | 38456 | 22/100 |
| 12 | 38459 | 22/100 |
Most distressed ZIP codes in Giles County (composite distress 0-100, 2026)
What is driving Giles County distress
DLRadar builds Giles County's distress picture only from records anyone can pull; its ZIPs average 23/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Giles County market phase and pricing
The cycle in Giles County is peak, with values up 2.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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What people ask
What is the hardest-hit ZIP in Giles County?
ZIP 38451 leads Giles County at 27/100, recomputed monthly from public records.
What market phase is Giles County in?
FHFA price-index movement places Giles County in peak; prices are up 2.8% over twelve months.
Which datasets feed the Giles County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 17 Giles County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Giles County ZIP codes?
The county figure is a blend, not a description. Across the Giles County ZIPs DLRadar ranks, scores run from 27/100 in 38451 down to 22/100 in 38459, against a Giles County average of 23/100. Because the gap runs to 5 points, Giles County rewards ZIP-level precision.
What do Giles County home values and vacancy say about distressed supply?
The typical Giles County home carries about $259,953 of value against a median household income near $59,436. Vacancy across Giles County's tracked ZIPs runs 13.2% and the poverty rate is 14.1%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Giles County's foreclosure and lien data and its 76/100 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.