Lawrence County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lawrence County, TN distress report, 2026: 11 ZIPs scored in Lawrence, TN, Lawrence, TN average 22/100; the top Lawrence, TN ZIP is 38474 at 27/100; Lawrence, TN market phase peak, Lawrence, TN prices +2.0% year over year.
- Lawrence, TN ranks #2,540 nationally (opportunity index); Lawrence, TN #84 in Tennessee; Lawrence, TN index 25.7.
- Lawrence, TN: no CFPB county sample; Lawrence, TN non-metro area reading 1.3%.
- Lawrence, TN ZIP phases: 11 peak.
- Lawrence, TN residential listings tracked: 2 across 8 ZIPs; Lawrence, TN candidate listings 1.
- Lawrence, TN HUD assisted properties: 4 with 69 units.
- Lawrence, TN lenders on watch: 8; largest Lawrence, TN footprint First Farmers&Merchants Bank (3 branches).
- Lawrence, TN most distressed ZIP: 38474 at 27/100.
Lawrence, TN figures: DLRadar distress index; Lawrence, TN inputs: CFPB, FHFA, HUD, FDIC; Lawrence, TN rebuilt as sources refresh.
| Rank | Lawrence, TN ZIP | Score |
|---|---|---|
| 1 | 38474 | 27/100 |
| 2 | 38473 | 25/100 |
| 3 | 38456 | 23/100 |
| 4 | 38457 | 22/100 |
| 5 | 38464 | 22/100 |
| 6 | 38468 | 22/100 |
| 7 | 38469 | 22/100 |
| 8 | 38481 | 22/100 |
| 9 | 38486 | 21/100 |
| 10 | 38463 | 18/100 |
| 11 | 38483 | 18/100 |
Most distressed Lawrence, TN ZIPs (0-100, 2026)
Mortgage delinquency around Lawrence, TN
No CFPB county sample covers Lawrence, TN; the non-metro area reading for Lawrence, TN: 1.3% ninety-plus; Lawrence, TN area thirty-to-eighty-nine 3.3% (December 2025, Lawrence, TN); Tennessee overall 0.9%.
Opportunity index: Lawrence, TN
Lawrence, TN index 25.7, Lawrence, TN phase weak; Lawrence, TN primary driver construction, Lawrence, TN second driver vacancy. Lawrence, TN components: property stress 15.8, foreclosure pressure 16.0, listing discounts 14.7, bank stress 49.3, insurance 0.0; Lawrence, TN pulse 30.1; Lawrence, TN capital opportunity 19.2; Lawrence, TN seven-day change +0.4%.
ZIP market phases inside Lawrence, TN
11 Lawrence, TN ZIPs carry a price-cycle phase; Lawrence, TN ZIPs by phase (Lawrence, TN), deepest drawdown first: peak, +1.5% YoY, 0.2% off peak (Lawrence, TN): 38474; peak, +2.4% YoY, 0.0% off peak (Lawrence, TN): 38483; peak, +2.3% YoY (Lawrence, TN): 38456; peak, +2.0% YoY (Lawrence, TN): 38457, 38469, 38481; peak, +2.7% YoY (Lawrence, TN): 38463; peak, +2.2% YoY (Lawrence, TN): 38464, 38486; peak, +2.1% YoY (Lawrence, TN): 38468; peak, +2.8% YoY (Lawrence, TN): 38473.
Residential listings by Lawrence, TN ZIP
Lawrence, TN ZIPs with the most tracked Lawrence, TN residential listings: 38464 1 listings, 0 candidates, bank pressure 60; 38469 1 listings, 1 candidates, bank pressure 58; 38456 0 listings, 0 candidates, bank pressure 62; 38457 0 listings, 0 candidates, bank pressure 58 (Lawrence, TN); 38468 0 listings, 0 candidates, bank pressure 62; 38481 0 listings, 0 candidates, bank pressure 58; 38483 0 listings, 0 candidates, bank pressure 61; 38486 0 listings, 0 candidates, bank pressure 56. Lawrence, TN totals: 2 listings; Lawrence, TN candidates 1; active ZIPs 2.
HUD assisted housing in Lawrence, TN
4 assisted properties with 69 units sit in Lawrence, TN; largest Lawrence, TN properties: Loretto Lions Club (Loretto) 20 units, 19 assisted; New Hope Apartments (Lawrenceburg) 19 units, 18 assisted; Crockett Senior Housing (Lawrenceburg) 18 units, 17 assisted in Lawrence, TN; Loretto Lions Retirement Home Ii (Loretta) 12 units, 12 assisted.
Lenders with branches in Lawrence, TN
Lawrence, TN lenders by branch count: First Farmers&Merchants Bank (Lawrence, TN): stress 65, 3 branches low in Lawrence, TN; Wayne County Bank (Lawrence, TN): stress 43, 2 branches low in Lawrence, TN; Builtwell Bank (Lawrence, TN): stress 42, 2 branches low in Lawrence, TN; Bank Of Frankewing (Lawrence, TN): stress 79, 1 branch low in Lawrence, TN; Heritage Bank&Trust (Lawrence, TN): stress 72, 1 branch low in Lawrence, TN; First Horizon Bank (Lawrence, TN): stress 58, 1 branch low in Lawrence, TN; Peoples Bank (Lawrence, TN): stress 54, 1 branch low in Lawrence, TN; Lawrenceburg Federal Bank (Lawrence, TN): stress 44, 1 branch low in Lawrence, TN.
Vacancy and permits, Lawrence, TN
1,739 of 18,730 Lawrence, TN housing units are vacant; Lawrence, TN permits, twelve months: 6 multifamily units in Lawrence, TN, 18 one-to-four unit units.
Work Lawrence, TN at the parcel level
Every Lawrence, TN parcel carries owner and address; every Lawrence, TN parcel carries APN; Lawrence, TN distress scores sit on the Lawrence, TN live board.
Lawrence, TN figures refresh with each source.
Lawrence, TN questions
Most distressed ZIP code in Lawrence County, TN?
ZIP 38474 leads Lawrence, TN at 27/100; next in Lawrence, TN: 38473 at 25/100; the Lawrence, TN average is 22/100.
Where does Lawrence County, TN rank for investment opportunity?
Lawrence, TN is #2,540 among all ranked counties, #84 in Tennessee; the Lawrence, TN driver is construction; Lawrence, TN moved down 252 places.
How many mortgages are delinquent in Lawrence County, TN?
Lawrence, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Lawrence, TN.
Which banks lend in Lawrence County, TN?
8 watched lenders hold Lawrence, TN branches; the largest Lawrence, TN footprints are First Farmers&Merchants Bank (3), Wayne County Bank (2), Builtwell Bank (2).
More on Lawrence, TN
Lawrence County, TN distress report: public-record figures for Lawrence, TN; not legal advice for Lawrence, TN; not tax or investment advice; verify every Lawrence, TN record before acting.