Hardeman County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hardeman County, Tennessee? DLRadar grades every Hardeman County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Hardeman County breakdown.
- Hardeman County's most distressed ZIP is 38392 at 28/100.
- 12 ZIP codes tracked in Hardeman County, averaging 22/100 distress.
- Hardeman County reads peak — home values up 2.8% year over year.
- Vacancy runs 18.2% across Hardeman County's tracked ZIPs, with a 15.6% poverty rate.
- The typical Hardeman County home is worth about $139,925 against a ~$52,735 median income.
- Lending headwind in Hardeman County sits at 73/100 — 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 | 38392 | 28/100 |
| 2 | 38356 | 26/100 |
| 3 | 38061 | 24/100 |
| 4 | 38008 | 23/100 |
| 5 | 38044 | 23/100 |
| 6 | 38052 | 23/100 |
| 7 | 38067 | 23/100 |
| 8 | 38381 | 23/100 |
| 9 | 38042 | 20/100 |
| 10 | 38075 | 20/100 |
| 11 | 38039 | 18/100 |
| 12 | 38340 | 17/100 |
Most distressed ZIP codes in Hardeman County (composite distress 0-100, 2026)
What is driving Hardeman County distress
Hardeman County's placement in the national index rests on public filings — a 22/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Hardeman County market phase and pricing
Hardeman County reads peak — home prices rose 2.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Hardeman County
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Common questions
Which part of Hardeman County, TN scores highest for distress?
ZIP 38392 leads Hardeman County at 28/100, recomputed monthly from public records.
Which phase does Hardeman County sit in right now?
The market phase for Hardeman County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Hardeman County numbers?
Hardeman 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 12 ZIPs are comparable to anywhere else.
How much do distress scores vary between Hardeman County ZIP codes?
A county average hides the spread. Across the Hardeman County ZIPs DLRadar ranks, scores run from 28/100 in 38392 down to 17/100 in 38340, against a Hardeman County average of 22/100. Because the gap runs to 11 points, Hardeman County rewards ZIP-level precision.
What do Hardeman County home values and vacancy say about distressed supply?
The typical Hardeman County home carries about $139,925 of value against a median household income near $52,735. Vacancy across Hardeman County's tracked ZIPs runs 18.2% and the poverty rate is 15.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Hardeman County's foreclosure and lien data and its 73/100 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.