Henderson County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Henderson County, Tennessee? DLRadar grades every Henderson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Henderson County breakdown.
- Henderson County's most distressed ZIP is 38313 at 26/100.
- 14 ZIP codes tracked in Henderson County, averaging 22/100 distress.
- Henderson County reads peak — home values up 2.8% year over year.
- Vacancy runs 21.5% across Henderson County's tracked ZIPs, with a 15.3% poverty rate.
- The typical Henderson County home is worth about $163,421 against a ~$55,625 median income.
- Lending headwind in Henderson County sits at 78/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38313 | 26/100 |
| 2 | 38345 | 24/100 |
| 3 | 38351 | 24/100 |
| 4 | 38388 | 24/100 |
| 5 | 38328 | 23/100 |
| 6 | 38368 | 22/100 |
| 7 | 38371 | 22/100 |
| 8 | 38370 | 21/100 |
| 9 | 38374 | 21/100 |
| 10 | 38321 | 19/100 |
| 11 | 38329 | 19/100 |
| 12 | 38352 | 19/100 |
Most distressed ZIP codes in Henderson County (composite distress 0-100, 2026)
What is driving Henderson County distress
Henderson 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.
Henderson County market phase and pricing
Henderson 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.
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What people ask
What is the hardest-hit ZIP in Henderson County?
ZIP 38313 leads Henderson County at 26/100, recomputed monthly from public records.
Which phase does Henderson County sit in right now?
FHFA price-index movement places Henderson County in peak; prices are up 2.8% over twelve months.
Where does the Henderson County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 14 Henderson County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Henderson County ZIP codes?
The county figure is a blend, not a description. Across the Henderson County ZIPs DLRadar ranks, scores run from 26/100 in 38313 down to 19/100 in 38352, against a Henderson County average of 22/100. The 7-point range is the argument for ZIP-level search across Henderson County.
What do Henderson County home values and vacancy say about distressed supply?
The typical Henderson County home carries about $163,421 of value against a median household income near $55,625. Vacancy across Henderson County's tracked ZIPs runs 21.5% and the poverty rate is 15.3%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Henderson County's foreclosure and tax-lien filings and its 78/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.