Lauderdale County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lauderdale County, Tennessee? DLRadar grades every Lauderdale County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Lauderdale County breakdown.
- Lauderdale County's most distressed ZIP is 38040 at 24/100.
- 4 ZIP codes tracked in Lauderdale County, averaging 23/100 distress.
- Lauderdale County reads peak — home values up 2.8% year over year.
- Vacancy runs 16.3% across Lauderdale County's tracked ZIPs, with a 22.6% poverty rate.
- The typical Lauderdale County home is worth about $121,575 against a ~$48,624 median income.
- Lending headwind in Lauderdale County sits at 63/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38040 | 24/100 |
| 2 | 38041 | 24/100 |
| 3 | 38063 | 24/100 |
| 4 | 38037 | 20/100 |
Most distressed ZIP codes in Lauderdale County (composite distress 0-100, 2026)
What is driving Lauderdale County distress
The Lauderdale 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.
Lauderdale County market phase and pricing
The cycle in Lauderdale County is peak, with values up 2.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked
Where is distress highest inside Lauderdale County, TN?
ZIP 38040 leads Lauderdale County at 24/100, recomputed monthly from public records.
Which phase does Lauderdale County sit in right now?
FHFA price-index movement places Lauderdale County in peak; prices are up 2.8% over twelve months.
How is the Lauderdale County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 4 Lauderdale County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Lauderdale County ZIP codes?
A single county score papers over real variation. Across the Lauderdale County ZIPs DLRadar ranks, scores run from 24/100 in 38040 down to 20/100 in 38037, against a Lauderdale County average of 23/100. With 4 points between best and worst, county-level targeting in Lauderdale County wastes effort.
What do Lauderdale County home values and vacancy say about distressed supply?
The typical Lauderdale County home carries about $121,575 of value against a median household income near $48,624. Vacancy across Lauderdale County's tracked ZIPs runs 16.3% and the poverty rate is 22.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Lauderdale County's foreclosure and lien filings and its 63/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.