Houston County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Houston County, Tennessee? DLRadar grades every Houston County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Houston County breakdown.
- Houston County's most distressed ZIP is 37051 at 26/100.
- 8 ZIP codes tracked in Houston County, averaging 18/100 distress.
- Houston County reads peak — home values up 2.8% year over year.
- Vacancy runs 18.8% across Houston County's tracked ZIPs, with a 14.2% poverty rate.
- The typical Houston County home is worth about $203,700 against a ~$59,810 median income.
- Lending headwind in Houston County sits at 57/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37051 | 26/100 |
| 2 | 37185 | 22/100 |
| 3 | 37050 | 21/100 |
| 4 | 37101 | 21/100 |
| 5 | 37181 | 21/100 |
| 6 | 37061 | 13/100 |
| 7 | 37175 | 11/100 |
| 8 | 37178 | 11/100 |
Most distressed ZIP codes in Houston County (composite distress 0-100, 2026)
What is driving Houston County distress
Houston County's placement in the national index rests on public filings — a 18/100 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.
Houston County market phase and pricing
DLRadar places Houston County in peak; prices moved up 2.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Houston County
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Questions and answers
What is the most distressed ZIP code in Houston County, TN?
ZIP 37051 leads Houston County at 26/100, recomputed monthly from public records.
Where is Houston County in the housing cycle?
Houston County reads peak, with home prices up 2.8% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Houston County data come from?
Every Houston County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 8 Houston County ZIP codes that it runs on every other U.S. county, so Houston County's numbers are directly comparable to any other market.
How much do distress scores vary between Houston County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Houston County ZIPs DLRadar ranks, scores run from 26/100 in 37051 down to 11/100 in 37178, against a Houston County average of 18/100. That 15-point gap is why acquisition targeting in Houston County works at ZIP level rather than county level.
What do Houston County home values and vacancy say about distressed supply?
The typical Houston County home carries about $203,700 of value against a median household income near $59,810. Vacancy across Houston County's tracked ZIPs runs 18.8% and the poverty rate is 14.2%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Houston County's foreclosure and tax-lien record and its 57/100 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.