Hamilton County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hamilton County, TN distress report, 2026: 32 ZIPs scored in Hamilton, TN, Hamilton, TN average 29/100; the top Hamilton, TN ZIP is 30741 at 31/100; Hamilton, TN market phase peak, Hamilton, TN prices +1.1% year over year.
- Hamilton, TN ranks #1,759 nationally (opportunity index); Hamilton, TN #55 in Tennessee; Hamilton, TN index 28.6.
- Hamilton, TN ninety-day mortgage delinquency 0.5% in December 2025; Hamilton, TN twelve-month change 0.0%.
- Hamilton, TN ZIP phases: 29 peak, 1 expansion, 1 recovery, 1 neutral.
- Hamilton, TN residential listings tracked: 162 across 26 ZIPs; Hamilton, TN candidate listings 31.
- Hamilton, TN HUD assisted properties: 29 with 2,293 units.
- Hamilton, TN lenders on watch: 8; largest Hamilton, TN footprint First Horizon Bank (14 branches).
- Hamilton, TN most distressed ZIP: 30741 at 31/100.
Hamilton, TN figures: DLRadar distress index; Hamilton, TN inputs: CFPB, FHFA, HUD, FDIC; Hamilton, TN rebuilt as sources refresh.
| Rank | Hamilton, TN ZIP | Score |
|---|---|---|
| 1 | 30741 | 31/100 |
| 2 | 37302 | 31/100 |
| 3 | 37315 | 31/100 |
| 4 | 37341 | 31/100 |
| 5 | 37343 | 31/100 |
| 6 | 37350 | 31/100 |
| 7 | 37351 | 31/100 |
| 8 | 37363 | 31/100 |
| 9 | 37373 | 31/100 |
| 10 | 37402 | 31/100 |
| 11 | 37403 | 31/100 |
| 12 | 37404 | 31/100 |
Most distressed Hamilton, TN ZIPs (0-100, 2026)
Mortgage delinquency in Hamilton, TN
0.5% of Hamilton, TN mortgages were ninety-plus days late (Hamilton, TN, December 2025); Hamilton, TN thirty-to-eighty-nine days late: 1.7%; Hamilton, TN twelve-month change 0.0%; Hamilton, TN peak since 2008: 3.7% (November 2009); Tennessee overall 0.9%. Hamilton, TN ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.5 (Hamilton, TN), Mar 25 0.6, Apr 25 0.4, May 25 0.4 (Hamilton, TN), Jun 25 0.5, Jul 25 0.5, Aug 25 0.4 (Hamilton, TN), Sep 25 0.7, Oct 25 0.6, Nov 25 0.5 (Hamilton, TN), Dec 25 0.5.
Opportunity index: Hamilton, TN
Hamilton, TN index 28.6, Hamilton, TN phase early_signal; Hamilton, TN primary driver bank institutional, Hamilton, TN second driver construction. Hamilton, TN components: property stress 18.0, foreclosure pressure 17.8, listing discounts 31.4, bank stress 55.5, insurance 0.0; Hamilton, TN pulse 30.9; Hamilton, TN capital opportunity 25.2; Hamilton, TN seven-day change -0.4%.
ZIP market phases inside Hamilton, TN
32 Hamilton, TN ZIPs carry a price-cycle phase; Hamilton, TN ZIPs by phase (Hamilton, TN), deepest drawdown first: peak, +1.1% YoY, 0.3% off peak (Hamilton, TN): 30741, 37302, 37315, 37341, Hamilton, TN 37343, 37350, 37351, 37363, Hamilton, TN 37377, 37402, 37403, 37404, Hamilton, TN 37405, 37406, 37407, 37408.
Residential listings by Hamilton, TN ZIP
Hamilton, TN ZIPs with the most tracked Hamilton, TN residential listings: 37421 30 listings, 1 candidates, bank pressure 63; 37404 18 listings, 1 candidates, bank pressure 63; 37411 16 listings, 5 candidates, bank pressure 63; 37343 15 listings, 0 candidates, bank pressure 63 (Hamilton, TN); 37415 15 listings, 2 candidates, bank pressure 63; 37406 9 listings, 1 candidates, bank pressure 63; 37379 8 listings, 5 candidates, bank pressure 64; 37363 7 listings, 2 candidates, bank pressure 63. Hamilton, TN totals: 162 listings; Hamilton, TN candidates 31; active ZIPs 21.
HUD assisted housing in Hamilton, TN
29 assisted properties with 2,293 units sit in Hamilton, TN; largest Hamilton, TN properties: City Green At Northshore (Chattanooga) 282 units; Jaycee Progress Ii (Chattanooga) 204 units; River View Towers (Chattanooga) 183 units, 138 assisted in Hamilton, TN; Bayberry Apartments (Chattanooga) 163 units, 163 assisted; Northtowne Village (Hixson) 148 units; Battery Heights Apts (Chattanooga) 144 units, 88 assisted.
Lenders with branches in Hamilton, TN
Hamilton, TN lenders by branch count: First Horizon Bank (Hamilton, TN): stress 58, 14 branches low in Hamilton, TN; Millennium Bank (Hamilton, TN): stress 94, 6 branches low in Hamilton, TN; Builtwell Bank (Hamilton, TN): stress 42, 6 branches low in Hamilton, TN; Smartbank (Hamilton, TN): stress 65, 5 branches low in Hamilton, TN; Pinnacle Bank (Hamilton, TN): stress 64, 5 branches low in Hamilton, TN; Firstbank (Hamilton, TN): stress 55, 5 branches low in Hamilton, TN; Southeast Bank (Hamilton, TN): stress 81, 2 branches low in Hamilton, TN; Citizens Tri-County Bank (Hamilton, TN): stress 57, 2 branches low in Hamilton, TN.
Vacancy and permits, Hamilton, TN
13,832 of 168,013 Hamilton, TN housing units are vacant; Hamilton, TN permits, twelve months: 311 multifamily units in Hamilton, TN, 1,710 one-to-four unit units.
Work Hamilton, TN at the parcel level
Every Hamilton, TN parcel carries owner and address; every Hamilton, TN parcel carries APN; Hamilton, TN distress scores sit on the Hamilton, TN live board.
Hamilton, TN figures refresh with each source.
Hamilton, TN questions
Most distressed ZIP code in Hamilton County, TN?
ZIP 30741 leads Hamilton, TN at 31/100; next in Hamilton, TN: 37302 at 31/100; the Hamilton, TN average is 29/100.
Where does Hamilton County, TN rank for investment opportunity?
Hamilton, TN is #1,759 among all ranked counties, #55 in Tennessee; the Hamilton, TN driver is bank institutional; Hamilton, TN moved up 227 places.
How many mortgages are delinquent in Hamilton County, TN?
0.5% of Hamilton, TN mortgages were ninety-plus days late in December 2025; the Hamilton, TN peak since 2008 was 3.7%.
Which banks lend in Hamilton County, TN?
8 watched lenders hold Hamilton, TN branches; the largest Hamilton, TN footprints are First Horizon Bank (14), Millennium Bank (6), Builtwell Bank (6).
More on Hamilton, TN
Hamilton County, TN distress report: public-record figures for Hamilton, TN; not legal advice for Hamilton, TN; not tax or investment advice; verify every Hamilton, TN record before acting.