Lake County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Tennessee? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 38080 at 23/100.
- 3 ZIP codes tracked in Lake County, averaging 18/100 distress.
- Lake County reads peak — home values up 2.8% year over year.
- Vacancy runs 18.9% across Lake County's tracked ZIPs, with a 31.2% poverty rate.
- The typical Lake County home is worth about $101,400 against a ~$30,545 median income.
- Lending headwind in Lake County sits at 38/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38080 | 23/100 |
| 2 | 38077 | 16/100 |
| 3 | 38079 | 16/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
DLRadar builds Lake County's distress picture only from records anyone can pull; its ZIPs average 18/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Lake County market phase and pricing
Lake 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.
See the distressed properties behind the data in Lake County
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Questions and answers
Which Lake County ZIP scores worst for distress?
ZIP 38080 leads Lake County at 23/100, recomputed monthly from public records.
Is Lake County expanding or contracting?
The market phase for Lake County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
What is this Lake County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 3 ZIP codes in Lake County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Lake County ZIP codes?
One county number flattens a wide range. Across the Lake County ZIPs DLRadar ranks, scores run from 23/100 in 38080 down to 16/100 in 38079, against a Lake County average of 18/100. A spread of 7 points means Lake County has to be worked ZIP by ZIP.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $101,400 of value against a median household income near $30,545. Vacancy across Lake County's tracked ZIPs runs 18.9% and the poverty rate is 31.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Lake County's foreclosure and tax-lien filings and its 38/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.