Hamilton County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hamilton County, Tennessee? DLRadar grades every Hamilton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Hamilton County breakdown.
- Hamilton County's most distressed ZIP is 37302 at 31/100.
- 32 ZIP codes tracked in Hamilton County, averaging 29/100 distress.
- Hamilton County reads peak — home values up 1.1% year over year.
- Vacancy runs 11% across Hamilton County's tracked ZIPs, with a 15.8% poverty rate.
- The typical Hamilton County home is worth about $308,063 against a ~$71,648 median income.
- Lending headwind in Hamilton County sits at 47/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37302 | 31/100 |
| 2 | 37315 | 31/100 |
| 3 | 37341 | 31/100 |
| 4 | 37343 | 31/100 |
| 5 | 37350 | 31/100 |
| 6 | 37351 | 31/100 |
| 7 | 37363 | 31/100 |
| 8 | 37373 | 31/100 |
| 9 | 37402 | 31/100 |
| 10 | 37403 | 31/100 |
| 11 | 37404 | 31/100 |
| 12 | 37406 | 31/100 |
Most distressed ZIP codes in Hamilton County (composite distress 0-100, 2026)
What is driving Hamilton County distress
DLRadar builds Hamilton County's distress picture only from records anyone can pull; its ZIPs average 29/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Hamilton County market phase and pricing
Phase for Hamilton County: peak (+1.1% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Hamilton County
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Common questions
What is the hardest-hit ZIP in Hamilton County?
ZIP 37302 leads Hamilton County at 31/100, recomputed monthly from public records.
What stage of the price cycle is Hamilton County at?
Hamilton County currently sits in peak, with values up 1.1% year on year, based on FHFA price-index trajectory.
What is this Hamilton County analysis built from?
Hamilton County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 32 ZIPs are comparable to anywhere else.
How much do distress scores vary between Hamilton County ZIP codes?
One county number flattens a wide range. Across the Hamilton County ZIPs DLRadar ranks, scores run from 31/100 in 37302 down to 31/100 in 37406, against a Hamilton County average of 29/100. Because the gap runs to 0 points, Hamilton County rewards ZIP-level precision.
What do Hamilton County home values and vacancy say about distressed supply?
The typical Hamilton County home carries about $308,063 of value against a median household income near $71,648. Vacancy across Hamilton County's tracked ZIPs runs 11% and the poverty rate is 15.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Hamilton County's foreclosure and tax-lien filings and its 47/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.