Hardeman County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hardeman County, TN distress report, 2026: 12 ZIPs scored in Hardeman, TN, Hardeman, TN average 21/100; the top Hardeman, TN ZIP is 38392 at 28/100; Hardeman, TN market phase peak, Hardeman, TN prices +2.8% year over year.
- Hardeman, TN ranks #176 nationally (opportunity index); Hardeman, TN #4 in Tennessee; Hardeman, TN index 36.1.
- Hardeman, TN: no CFPB county sample; Hardeman, TN non-metro area reading 1.3%.
- Hardeman, TN ZIP phases: 9 peak, 3 expansion.
- Hardeman, TN residential listings tracked: 12 across 8 ZIPs; Hardeman, TN candidate listings 3.
- Hardeman, TN HUD assisted properties: 2 with 49 units.
- Hardeman, TN lenders on watch: 2; largest Hardeman, TN footprint Centennial Bank (4 branches).
- Hardeman, TN most distressed ZIP: 38392 at 28/100.
Hardeman, TN figures: DLRadar distress index; Hardeman, TN inputs: CFPB, FHFA, HUD, FDIC; Hardeman, TN rebuilt as sources refresh.
| Rank | Hardeman, TN ZIP | Score |
|---|---|---|
| 1 | 38392 | 28/100 |
| 2 | 38356 | 26/100 |
| 3 | 38061 | 24/100 |
| 4 | 38008 | 22/100 |
| 5 | 38044 | 22/100 |
| 6 | 38052 | 22/100 |
| 7 | 38067 | 22/100 |
| 8 | 38381 | 22/100 |
| 9 | 38042 | 18/100 |
| 10 | 38075 | 18/100 |
| 11 | 38039 | 17/100 |
| 12 | 38340 | 16/100 |
Most distressed Hardeman, TN ZIPs (0-100, 2026)
Mortgage delinquency around Hardeman, TN
No CFPB county sample covers Hardeman, TN; the non-metro area reading for Hardeman, TN: 1.3% ninety-plus; Hardeman, TN area thirty-to-eighty-nine 3.3% (December 2025, Hardeman, TN); Tennessee overall 0.9%.
Opportunity index: Hardeman, TN
Hardeman, TN index 36.1, Hardeman, TN phase overheated; Hardeman, TN primary driver vacancy, Hardeman, TN second driver bank institutional. Hardeman, TN components: property stress 35.7, foreclosure pressure 40.2, listing discounts 26.3, bank stress 60.9, insurance 0.0; Hardeman, TN pulse 43.2; Hardeman, TN capital opportunity 25.5; Hardeman, TN seven-day change +0.4%.
ZIP market phases inside Hardeman, TN
12 Hardeman, TN ZIPs carry a price-cycle phase; Hardeman, TN ZIPs by phase (Hardeman, TN), deepest drawdown first: peak, +2.8% YoY (Hardeman, TN): 38008, 38052, 38061, 38067, Hardeman, TN 38381; peak, +2.1% YoY (Hardeman, TN): 38039; peak, +2.6% YoY (Hardeman, TN): 38042, 38075; peak, +3.0% YoY (Hardeman, TN): 38044; expansion, +5.9% YoY (Hardeman, TN): 38340; expansion, +5.1% YoY (Hardeman, TN): 38356; expansion, +5.4% YoY (Hardeman, TN): 38392.
Residential listings by Hardeman, TN ZIP
Hardeman, TN ZIPs with the most tracked Hardeman, TN residential listings: 38008 8 listings, 2 candidates, bank pressure 69; 38052 2 listings, 0 candidates, bank pressure 69; 38039 1 listings, 0 candidates, bank pressure 59; 38075 1 listings, 1 candidates, bank pressure 61 (Hardeman, TN); 38042 0 listings, 0 candidates, bank pressure 59; 38044 0 listings, 0 candidates, bank pressure 70; 38067 0 listings, 0 candidates, bank pressure 69; 38381 0 listings, 0 candidates, bank pressure 69. Hardeman, TN totals: 12 listings; Hardeman, TN candidates 3; active ZIPs 2.
HUD assisted housing in Hardeman, TN
2 assisted properties with 49 units sit in Hardeman, TN; largest Hardeman, TN properties: Pecan Grove (Bolivar) 40 units, 39 assisted; Quinco Group Home (Bolivar) 9 units, 8 assisted.
Lenders with branches in Hardeman, TN
Hardeman, TN lenders by branch count: Centennial Bank (Hardeman, TN): stress 70, 4 branches low in Hardeman, TN; Bank Of Fayette County (Hardeman, TN): stress 74, 2 branches low in Hardeman, TN.
Vacancy and permits, Hardeman, TN
1,640 of 10,750 Hardeman, TN housing units are vacant; Hardeman, TN permits, twelve months: 0 multifamily units in Hardeman, TN, 35 one-to-four unit units.
Work Hardeman, TN at the parcel level
Every Hardeman, TN parcel carries owner and address; every Hardeman, TN parcel carries APN; Hardeman, TN distress scores sit on the Hardeman, TN live board.
Hardeman, TN figures refresh with each source.
Hardeman, TN questions
Most distressed ZIP code in Hardeman County, TN?
ZIP 38392 leads Hardeman, TN at 28/100; next in Hardeman, TN: 38356 at 26/100; the Hardeman, TN average is 21/100.
Where does Hardeman County, TN rank for investment opportunity?
Hardeman, TN is #176 among all ranked counties, #4 in Tennessee; the Hardeman, TN driver is vacancy; Hardeman, TN moved down 95 places.
How many mortgages are delinquent in Hardeman County, TN?
Hardeman, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Hardeman, TN.
Which banks lend in Hardeman County, TN?
2 watched lenders hold Hardeman, TN branches; the largest Hardeman, TN footprints are Centennial Bank (4), Bank Of Fayette County (2).
More on Hardeman, TN
Hardeman County, TN distress report: public-record figures for Hardeman, TN; not legal advice for Hardeman, TN; not tax or investment advice; verify every Hardeman, TN record before acting.