Jefferson County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jefferson County, Tennessee? DLRadar grades every Jefferson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Jefferson County breakdown.
- Jefferson County's most distressed ZIP is 37821 at 33/100.
- 10 ZIP codes tracked in Jefferson County, averaging 23/100 distress.
- Jefferson County reads peak — home values up 0.1% year over year, 1.1% off peak.
- Vacancy runs 13% across Jefferson County's tracked ZIPs, with a 13.6% poverty rate.
- The typical Jefferson County home is worth about $228,550 against a ~$59,505 median income.
- Lending headwind in Jefferson County sits at 49/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37821 | 33/100 |
| 2 | 37764 | 29/100 |
| 3 | 37876 | 29/100 |
| 4 | 37871 | 24/100 |
| 5 | 37725 | 20/100 |
| 6 | 37760 | 20/100 |
| 7 | 37820 | 20/100 |
| 8 | 37890 | 20/100 |
| 9 | 37813 | 19/100 |
| 10 | 37877 | 19/100 |
Most distressed ZIP codes in Jefferson County (composite distress 0-100, 2026)
What is driving Jefferson County distress
The Jefferson County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 23/100 ZIP average. No proprietary or modelled inputs enter the score.
Jefferson County market phase and pricing
Phase for Jefferson County: peak (+0.1% YoY, 1.1% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Jefferson County
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Frequently asked questions
Which ZIP code leads Jefferson County on distress?
ZIP 37821 leads Jefferson County at 33/100, recomputed monthly from public records.
Where is Jefferson County in the housing cycle?
Jefferson County is classified peak with a 0.1% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Jefferson County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 10 Jefferson County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Jefferson County ZIP codes?
A county average hides the spread. Across the Jefferson County ZIPs DLRadar ranks, scores run from 33/100 in 37821 down to 19/100 in 37877, against a Jefferson County average of 23/100. Those 14 points separate the ZIPs worth working in Jefferson County from the rest.
What do Jefferson County home values and vacancy say about distressed supply?
The typical Jefferson County home carries about $228,550 of value against a median household income near $59,505. Vacancy across Jefferson County's tracked ZIPs runs 13% and the poverty rate is 13.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Jefferson County's foreclosure and tax-lien record and its 49/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.