Jackson County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jackson County, Tennessee? DLRadar grades every Jackson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Jackson County breakdown.
- Jackson County's most distressed ZIP is 38501 at 18/100.
- 11 ZIP codes tracked in Jackson County, averaging 16/100 distress.
- Jackson County reads peak — home values up 2.0% year over year.
- Vacancy runs 17.4% across Jackson County's tracked ZIPs, with a 18.8% poverty rate.
- The typical Jackson County home is worth about $207,109 against a ~$53,412 median income.
- Lending headwind in Jackson County sits at 38/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38501 | 18/100 |
| 2 | 37030 | 17/100 |
| 3 | 37145 | 17/100 |
| 4 | 38506 | 17/100 |
| 5 | 38545 | 17/100 |
| 6 | 38588 | 17/100 |
| 7 | 37150 | 16/100 |
| 8 | 38564 | 16/100 |
| 9 | 38551 | 14/100 |
| 10 | 38562 | 13/100 |
| 11 | 38568 | 12/100 |
Most distressed ZIP codes in Jackson County (composite distress 0-100, 2026)
What is driving Jackson County distress
Nothing here is estimated: Jackson County is scored from filings alone, and its ZIPs average 16/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Jackson County market phase and pricing
The cycle in Jackson County is peak, with values up 2.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked
What is the most distressed ZIP code in Jackson County, TN?
ZIP 38501 leads Jackson County at 18/100, recomputed monthly from public records.
How would you describe the Jackson County market phase?
Jackson County reads peak, with home prices up 2.0% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Jackson County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 11 Jackson 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 Jackson County ZIP codes?
The county figure is a blend, not a description. Across the Jackson County ZIPs DLRadar ranks, scores run from 18/100 in 38501 down to 12/100 in 38568, against a Jackson County average of 16/100. A spread of 6 points means Jackson County has to be worked ZIP by ZIP.
What do Jackson County home values and vacancy say about distressed supply?
The typical Jackson County home carries about $207,109 of value against a median household income near $53,412. Vacancy across Jackson County's tracked ZIPs runs 17.4% and the poverty rate is 18.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Jackson County's foreclosure and lien data and its 38/100 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.