Houston County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Houston County, TN distress report, 2026: 8 ZIPs scored in Houston, TN, Houston, TN average 20/100; the top Houston, TN ZIP is 37051 at 27/100; Houston, TN market phase peak, Houston, TN prices +2.8% year over year.
- Houston, TN ranks #260 nationally (opportunity index); Houston, TN #5 in Tennessee; Houston, TN index 35.2.
- Houston, TN: no CFPB county sample; Houston, TN non-metro area reading 1.3%.
- Houston, TN ZIP phases: 8 peak.
- Houston, TN residential listings tracked: 6 across 3 ZIPs; Houston, TN candidate listings 3.
- Houston, TN lenders on watch: 1; largest Houston, TN footprint Traditions First Bank (1 branch).
- Houston, TN most distressed ZIP: 37051 at 27/100.
Houston, TN figures: DLRadar distress index; Houston, TN inputs: CFPB, FHFA, HUD, FDIC; Houston, TN rebuilt as sources refresh.
| Rank | Houston, TN ZIP | Score |
|---|---|---|
| 1 | 37051 | 27/100 |
| 2 | 37181 | 23/100 |
| 3 | 37185 | 23/100 |
| 4 | 37050 | 22/100 |
| 5 | 37101 | 22/100 |
| 6 | 37061 | 15/100 |
| 7 | 37175 | 13/100 |
| 8 | 37178 | 13/100 |
Most distressed Houston, TN ZIPs (0-100, 2026)
Mortgage delinquency around Houston, TN
No CFPB county sample covers Houston, TN; the non-metro area reading for Houston, TN: 1.3% ninety-plus; Houston, TN area thirty-to-eighty-nine 3.3% (December 2025, Houston, TN); Tennessee overall 0.9%.
Opportunity index: Houston, TN
Houston, TN index 35.2, Houston, TN phase peak_opportunity; Houston, TN primary driver vacancy, Houston, TN second driver construction. Houston, TN components: property stress 23.3, foreclosure pressure 24.6, listing discounts 43.3, bank stress 54.1, insurance 0.0; Houston, TN pulse 37.8; Houston, TN capital opportunity 31.2; Houston, TN seven-day change +0.6%.
ZIP market phases inside Houston, TN
8 Houston, TN ZIPs carry a price-cycle phase; Houston, TN ZIPs by phase (Houston, TN), deepest drawdown first: peak, +2.2% YoY, 1.8% off peak (Houston, TN): 37050; peak, +2.5% YoY, 1.0% off peak (Houston, TN): 37175, 37178; peak, +1.5% YoY, 0.7% off peak (Houston, TN): 37051; peak, +1.8% YoY, 0.1% off peak (Houston, TN): 37181; peak, +2.8% YoY, 0.0% off peak (Houston, TN): 37061; peak, +2.7% YoY, 0.0% off peak (Houston, TN): 37101; peak, +2.8% YoY (Houston, TN): 37185.
Residential listings by Houston, TN ZIP
Houston, TN ZIPs with the most tracked Houston, TN residential listings: 37061 2 listings, 1 candidates, bank pressure 61; 37175 2 listings, 1 candidates, bank pressure 66; 37178 2 listings, 1 candidates, bank pressure 66. Houston, TN totals: 6 listings; Houston, TN candidates 3; active ZIPs 0.
Lenders with branches in Houston, TN
Houston, TN lenders by branch count: Traditions First Bank (Houston, TN): stress 75, 1 branch low in Houston, TN.
Vacancy and permits, Houston, TN
601 of 3,954 Houston, TN housing units are vacant; Houston, TN permits, twelve months: 0 multifamily units in Houston, TN, 1 one-to-four unit units.
Work Houston, TN at the parcel level
Every Houston, TN parcel carries owner and address; every Houston, TN parcel carries APN; Houston, TN distress scores sit on the Houston, TN live board.
Houston, TN figures refresh with each source.
Houston, TN questions
Most distressed ZIP code in Houston County, TN?
ZIP 37051 leads Houston, TN at 27/100; next in Houston, TN: 37181 at 23/100; the Houston, TN average is 20/100.
Where does Houston County, TN rank for investment opportunity?
Houston, TN is #260 among all ranked counties, #5 in Tennessee; the Houston, TN driver is vacancy; Houston, TN moved up 300 places.
How many mortgages are delinquent in Houston County, TN?
Houston, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Houston, TN.
Which banks lend in Houston County, TN?
1 watched lenders hold Houston, TN branches; the largest Houston, TN footprints are Traditions First Bank (1).
More on Houston, TN
Houston County, TN distress report: public-record figures for Houston, TN; not legal advice for Houston, TN; not tax or investment advice; verify every Houston, TN record before acting.