Lincoln County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lincoln County, Tennessee? DLRadar grades every Lincoln County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Lincoln County breakdown.
- Lincoln County's most distressed ZIP is 38478 at 25/100.
- 12 ZIP codes tracked in Lincoln County, averaging 22/100 distress.
- Lincoln County reads peak — home values up 2.0% year over year.
- Vacancy runs 12.8% across Lincoln County's tracked ZIPs, with a 15% poverty rate.
- The typical Lincoln County home is worth about $263,292 against a ~$61,922 median income.
- Lending headwind in Lincoln County sits at 37/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38478 | 25/100 |
| 2 | 38449 | 23/100 |
| 3 | 37328 | 22/100 |
| 4 | 37335 | 22/100 |
| 5 | 37348 | 22/100 |
| 6 | 38453 | 22/100 |
| 7 | 38459 | 22/100 |
| 8 | 38488 | 22/100 |
| 9 | 37047 | 21/100 |
| 10 | 37144 | 21/100 |
| 11 | 37334 | 21/100 |
| 12 | 37359 | 19/100 |
Most distressed ZIP codes in Lincoln County (composite distress 0-100, 2026)
What is driving Lincoln County distress
The Lincoln County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 22/100 ZIP average. No proprietary or modelled inputs enter the score.
Lincoln County market phase and pricing
The cycle in Lincoln County is peak, with values up 2.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Lincoln County
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Questions about this county
Which ZIP code leads Lincoln County on distress?
ZIP 38478 leads Lincoln County at 25/100, recomputed monthly from public records.
Which phase does Lincoln County sit in right now?
Phase for Lincoln County: peak, tracking a 2.0% gain year over year, read off the FHFA index.
Can the Lincoln County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 12 Lincoln 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 Lincoln County ZIP codes?
A county average hides the spread. Across the Lincoln County ZIPs DLRadar ranks, scores run from 25/100 in 38478 down to 19/100 in 37359, against a Lincoln County average of 22/100. A spread of 6 points means Lincoln County has to be worked ZIP by ZIP.
What do Lincoln County home values and vacancy say about distressed supply?
The typical Lincoln County home carries about $263,292 of value against a median household income near $61,922. Vacancy across Lincoln County's tracked ZIPs runs 12.8% and the poverty rate is 15%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Lincoln County's foreclosure and tax-lien record and its 37/100 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.