Hardin County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hardin County, Tennessee? DLRadar grades every Hardin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Hardin County breakdown.
- Hardin County's most distressed ZIP is 38310 at 25/100.
- 14 ZIP codes tracked in Hardin County, averaging 21/100 distress.
- Hardin County reads peak — home values up 2.8% year over year.
- Vacancy runs 28.4% across Hardin County's tracked ZIPs, with a 18.1% poverty rate.
- The typical Hardin County home is worth about $144,808 against a ~$49,446 median income.
- Lending headwind in Hardin County sits at 86/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38310 | 25/100 |
| 2 | 38357 | 25/100 |
| 3 | 38379 | 24/100 |
| 4 | 38359 | 22/100 |
| 5 | 38361 | 22/100 |
| 6 | 38371 | 22/100 |
| 7 | 38326 | 21/100 |
| 8 | 38327 | 21/100 |
| 9 | 38365 | 21/100 |
| 10 | 38370 | 21/100 |
| 11 | 38372 | 21/100 |
| 12 | 38376 | 21/100 |
Most distressed ZIP codes in Hardin County (composite distress 0-100, 2026)
What is driving Hardin County distress
Nothing here is estimated: Hardin County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Hardin County market phase and pricing
Hardin County currently sits in peak after a 2.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Hardin County
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Questions and answers
Which Hardin County ZIP scores worst for distress?
ZIP 38310 leads Hardin County at 25/100, recomputed monthly from public records.
How would you describe the Hardin County market phase?
Phase for Hardin County: peak, tracking a 2.8% gain year over year, read off the FHFA index.
Which datasets feed the Hardin County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 14 Hardin County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Hardin County ZIP codes?
One county number flattens a wide range. Across the Hardin County ZIPs DLRadar ranks, scores run from 25/100 in 38310 down to 21/100 in 38376, against a Hardin County average of 21/100. With 4 points between best and worst, county-level targeting in Hardin County wastes effort.
What do Hardin County home values and vacancy say about distressed supply?
The typical Hardin County home carries about $144,808 of value against a median household income near $49,446. Vacancy across Hardin County's tracked ZIPs runs 28.4% and the poverty rate is 18.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Hardin County's foreclosure and tax-lien filings and its 86/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.