Hardin County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hardin County, TN distress report, 2026: 14 ZIPs scored in Hardin, TN, Hardin, TN average 20/100; the top Hardin, TN ZIP is 38310 at 24/100; Hardin, TN market phase peak, Hardin, TN prices +2.8% year over year.
- Hardin, TN ranks #1,147 nationally (opportunity index); Hardin, TN #23 in Tennessee; Hardin, TN index 30.7.
- Hardin, TN: no CFPB county sample; Hardin, TN non-metro area reading 1.3%.
- Hardin, TN ZIP phases: 14 peak.
- Hardin, TN residential listings tracked: 5 across 9 ZIPs; Hardin, TN candidate listings 2.
- Hardin, TN HUD assisted properties: 4 with 109 units.
- Hardin, TN lenders on watch: 4; largest Hardin, TN footprint Hardin County Bank (4 branches).
- Hardin, TN most distressed ZIP: 38310 at 24/100.
Hardin, TN figures: DLRadar distress index; Hardin, TN inputs: CFPB, FHFA, HUD, FDIC; Hardin, TN rebuilt as sources refresh.
| Rank | Hardin, TN ZIP | Score |
|---|---|---|
| 1 | 38310 | 24/100 |
| 2 | 38357 | 24/100 |
| 3 | 38379 | 24/100 |
| 4 | 38359 | 21/100 |
| 5 | 38361 | 21/100 |
| 6 | 38371 | 21/100 |
| 7 | 38327 | 20/100 |
| 8 | 38365 | 20/100 |
| 9 | 38370 | 20/100 |
| 10 | 38372 | 20/100 |
| 11 | 38376 | 20/100 |
| 12 | 38326 | 19/100 |
Most distressed Hardin, TN ZIPs (0-100, 2026)
Mortgage delinquency around Hardin, TN
No CFPB county sample covers Hardin, TN; the non-metro area reading for Hardin, TN: 1.3% ninety-plus; Hardin, TN area thirty-to-eighty-nine 3.3% (December 2025, Hardin, TN); Tennessee overall 0.9%.
Opportunity index: Hardin, TN
Hardin, TN index 30.7, Hardin, TN phase early_signal; Hardin, TN primary driver vacancy, Hardin, TN second driver bank institutional. Hardin, TN components: property stress 24.6, foreclosure pressure 26.0, listing discounts 23.8, bank stress 64.6, insurance 0.0; Hardin, TN pulse 36.8; Hardin, TN capital opportunity 21.5; Hardin, TN seven-day change -0.4%.
ZIP market phases inside Hardin, TN
14 Hardin, TN ZIPs carry a price-cycle phase; Hardin, TN ZIPs by phase (Hardin, TN), deepest drawdown first: peak, +2.8% YoY (Hardin, TN): 38310, 38327, 38357, 38361, Hardin, TN 38365, 38370, 38371, 38372, Hardin, TN 38376, 38379, 38425, 38475; peak, +2.9% YoY (Hardin, TN): 38326; peak, +3.0% YoY (Hardin, TN): 38359.
Residential listings by Hardin, TN ZIP
Hardin, TN ZIPs with the most tracked Hardin, TN residential listings: 38372 5 listings, 2 candidates, bank pressure 75; 38326 0 listings, 0 candidates, bank pressure 69; 38327 0 listings, 0 candidates, bank pressure 75; 38359 0 listings, 0 candidates, bank pressure 72 (Hardin, TN); 38361 0 listings, 0 candidates, bank pressure 73; 38365 0 listings, 0 candidates, bank pressure 75; 38370 0 listings, 0 candidates, bank pressure 71; 38376 0 listings, 0 candidates, bank pressure 73. Hardin, TN totals: 5 listings; Hardin, TN candidates 2; active ZIPs 0.
HUD assisted housing in Hardin, TN
4 assisted properties with 109 units sit in Hardin, TN; largest Hardin, TN properties: Savannah Townhouses (Savannah) 50 units, 50 assisted; Mckendree Oaks @ Savannah (Savannah) 23 units, 22 assisted; Mckendree Oaks At Savannah Ii (Savannah) 18 units, 18 assisted in Hardin, TN; Southern Living Apartments (Savannah) 18 units, 17 assisted.
Lenders with branches in Hardin, TN
Hardin, TN lenders by branch count: Hardin County Bank (Hardin, TN): stress 67, 4 branches low in Hardin, TN; Central Bank (Hardin, TN): stress 72, 2 branches low in Hardin, TN; Home Banking Co (Hardin, TN): stress 86, 1 branch low in Hardin, TN; Peoples Bank (Hardin, TN): stress 77, 1 branch low in Hardin, TN.
Vacancy and permits, Hardin, TN
4,160 of 15,161 Hardin, TN housing units are vacant; Hardin, TN permits, twelve months: 0 multifamily units in Hardin, TN, 36 one-to-four unit units.
Work Hardin, TN at the parcel level
Every Hardin, TN parcel carries owner and address; every Hardin, TN parcel carries APN; Hardin, TN distress scores sit on the Hardin, TN live board.
Hardin, TN figures refresh with each source.
Hardin, TN questions
Most distressed ZIP code in Hardin County, TN?
ZIP 38310 leads Hardin, TN at 24/100; next in Hardin, TN: 38357 at 24/100; the Hardin, TN average is 20/100.
Where does Hardin County, TN rank for investment opportunity?
Hardin, TN is #1,147 among all ranked counties, #23 in Tennessee; the Hardin, TN driver is vacancy; Hardin, TN moved down 463 places.
How many mortgages are delinquent in Hardin County, TN?
Hardin, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Hardin, TN.
Which banks lend in Hardin County, TN?
4 watched lenders hold Hardin, TN branches; the largest Hardin, TN footprints are Hardin County Bank (4), Central Bank (2), Home Banking Co (1).
More on Hardin, TN
Hardin County, TN distress report: public-record figures for Hardin, TN; not legal advice for Hardin, TN; not tax or investment advice; verify every Hardin, TN record before acting.