Lincoln County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, TN distress report, 2026: 12 ZIPs scored in Lincoln, TN, Lincoln, TN average 21/100; the top Lincoln, TN ZIP is 38478 at 25/100; Lincoln, TN market phase peak, Lincoln, TN prices +2.0% year over year.
- Lincoln, TN ranks #2,725 nationally (opportunity index); Lincoln, TN #89 in Tennessee; Lincoln, TN index 24.8.
- Lincoln, TN: no CFPB county sample; Lincoln, TN non-metro area reading 1.3%.
- Lincoln, TN ZIP phases: 12 peak.
- Lincoln, TN residential listings tracked: 3 across 10 ZIPs; Lincoln, TN candidate listings 1.
- Lincoln, TN HUD assisted properties: 1 with 54 units.
- Lincoln, TN lenders on watch: 4; largest Lincoln, TN footprint Bank Of Lincoln County (3 branches).
- Lincoln, TN most distressed ZIP: 38478 at 25/100.
Lincoln, TN figures: DLRadar distress index; Lincoln, TN inputs: CFPB, FHFA, HUD, FDIC; Lincoln, TN rebuilt as sources refresh.
| Rank | Lincoln, TN ZIP | Score |
|---|---|---|
| 1 | 38478 | 25/100 |
| 2 | 38449 | 23/100 |
| 3 | 38453 | 22/100 |
| 4 | 37047 | 21/100 |
| 5 | 37144 | 21/100 |
| 6 | 37328 | 21/100 |
| 7 | 37335 | 21/100 |
| 8 | 37348 | 21/100 |
| 9 | 38459 | 21/100 |
| 10 | 38488 | 21/100 |
| 11 | 37334 | 20/100 |
| 12 | 37359 | 19/100 |
Most distressed Lincoln, TN ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, TN
No CFPB county sample covers Lincoln, TN; the non-metro area reading for Lincoln, TN: 1.3% ninety-plus; Lincoln, TN area thirty-to-eighty-nine 3.3% (December 2025, Lincoln, TN); Tennessee overall 0.9%.
Opportunity index: Lincoln, TN
Lincoln, TN index 24.8, Lincoln, TN phase weak; Lincoln, TN primary driver bank institutional, Lincoln, TN second driver vacancy. Lincoln, TN components: property stress 15.4, foreclosure pressure 15.3, listing discounts 20.5, bank stress 49.7, insurance 0.0; Lincoln, TN pulse 27.1; Lincoln, TN capital opportunity 21.3; Lincoln, TN seven-day change -0.6%.
ZIP market phases inside Lincoln, TN
12 Lincoln, TN ZIPs carry a price-cycle phase; Lincoln, TN ZIPs by phase (Lincoln, TN), deepest drawdown first: peak, +2.2% YoY (Lincoln, TN): 37047, 38453; peak, +2.0% YoY (Lincoln, TN): 37144, 37328, 37334, 37335, Lincoln, TN 37348, 37359, 38488; peak, +2.4% YoY (Lincoln, TN): 38449; peak, +2.1% YoY (Lincoln, TN): 38459; peak, +2.8% YoY (Lincoln, TN): 38478.
Residential listings by Lincoln, TN ZIP
Lincoln, TN ZIPs with the most tracked Lincoln, TN residential listings: 37334 2 listings, 1 candidates, bank pressure 62; 37335 1 listings, 0 candidates, bank pressure 59; 37144 0 listings, 0 candidates, bank pressure 63; 37328 0 listings, 0 candidates, bank pressure 59 (Lincoln, TN); 37348 0 listings, 0 candidates, bank pressure 60; 37359 0 listings, 0 candidates, bank pressure 62; 38449 0 listings, 0 candidates, bank pressure 64; 38453 0 listings, 0 candidates, bank pressure 64. Lincoln, TN totals: 3 listings; Lincoln, TN candidates 1; active ZIPs 2.
HUD assisted housing in Lincoln, TN
1 assisted properties with 54 units sit in Lincoln, TN; largest Lincoln, TN properties: Fayetteville Square (Fayetteville) 54 units, 53 assisted.
Lenders with branches in Lincoln, TN
Lincoln, TN lenders by branch count: Bank Of Lincoln County (Lincoln, TN): stress 42, 3 branches low in Lincoln, TN; First Nb Of Pulaski (Lincoln, TN): stress 62, 2 branches low in Lincoln, TN; Firstbank (Lincoln, TN): stress 55, 1 branch low in Lincoln, TN; First Commerce Bank (Lincoln, TN): stress 50, 1 branch low in Lincoln, TN.
Vacancy and permits, Lincoln, TN
1,442 of 16,291 Lincoln, TN housing units are vacant; Lincoln, TN permits, twelve months: 0 multifamily units in Lincoln, TN, 181 one-to-four unit units.
Work Lincoln, TN at the parcel level
Every Lincoln, TN parcel carries owner and address; every Lincoln, TN parcel carries APN; Lincoln, TN distress scores sit on the Lincoln, TN live board.
Lincoln, TN figures refresh with each source.
Lincoln, TN questions
Most distressed ZIP code in Lincoln County, TN?
ZIP 38478 leads Lincoln, TN at 25/100; next in Lincoln, TN: 38449 at 23/100; the Lincoln, TN average is 21/100.
Where does Lincoln County, TN rank for investment opportunity?
Lincoln, TN is #2,725 among all ranked counties, #89 in Tennessee; the Lincoln, TN driver is bank institutional; Lincoln, TN moved up 64 places.
How many mortgages are delinquent in Lincoln County, TN?
Lincoln, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Lincoln, TN.
Which banks lend in Lincoln County, TN?
4 watched lenders hold Lincoln, TN branches; the largest Lincoln, TN footprints are Bank Of Lincoln County (3), First Nb Of Pulaski (2), Firstbank (1).
More on Lincoln, TN
Lincoln County, TN distress report: public-record figures for Lincoln, TN; not legal advice for Lincoln, TN; not tax or investment advice; verify every Lincoln, TN record before acting.