Lawrence County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lawrence County, Tennessee? DLRadar grades every Lawrence County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Lawrence County breakdown.
- Lawrence County's most distressed ZIP is 38474 at 26/100.
- 11 ZIP codes tracked in Lawrence County, averaging 22/100 distress.
- Lawrence County reads peak — home values up 2.0% year over year.
- Vacancy runs 14.1% across Lawrence County's tracked ZIPs, with a 13.7% poverty rate.
- The typical Lawrence County home is worth about $199,245 against a ~$55,951 median income.
- Lending headwind in Lawrence County sits at 40/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38474 | 26/100 |
| 2 | 38473 | 25/100 |
| 3 | 38456 | 22/100 |
| 4 | 38457 | 22/100 |
| 5 | 38468 | 22/100 |
| 6 | 38469 | 22/100 |
| 7 | 38481 | 22/100 |
| 8 | 38464 | 21/100 |
| 9 | 38486 | 21/100 |
| 10 | 38483 | 19/100 |
| 11 | 38463 | 18/100 |
Most distressed ZIP codes in Lawrence County (composite distress 0-100, 2026)
What is driving Lawrence County distress
DLRadar builds Lawrence County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Lawrence County market phase and pricing
Phase for Lawrence County: peak (+2.0% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Lawrence County
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Common questions
Where is distress highest inside Lawrence County, TN?
ZIP 38474 leads Lawrence County at 26/100, recomputed monthly from public records.
Where is Lawrence County in the housing cycle?
FHFA price-index movement places Lawrence County in peak; prices are up 2.0% over twelve months.
What is this Lawrence County analysis built from?
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 Lawrence 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 Lawrence County ZIP codes?
One county number flattens a wide range. Across the Lawrence County ZIPs DLRadar ranks, scores run from 26/100 in 38474 down to 18/100 in 38463, against a Lawrence County average of 22/100. Those 8 points separate the ZIPs worth working in Lawrence County from the rest.
What do Lawrence County home values and vacancy say about distressed supply?
The typical Lawrence County home carries about $199,245 of value against a median household income near $55,951. Vacancy across Lawrence County's tracked ZIPs runs 14.1% and the poverty rate is 13.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Lawrence County's foreclosure and tax-lien filings and its 40/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.