Madison County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, TN distress report, 2026: 13 ZIPs scored in Madison, TN, Madison, TN average 26/100; the top Madison, TN ZIP is 38301 at 30/100; Madison, TN market phase expansion, Madison, TN prices +6.3% year over year.
- Madison, TN ranks #1,198 nationally (opportunity index); Madison, TN #26 in Tennessee; Madison, TN index 30.5.
- Madison, TN: no CFPB county sample; Madison, TN metro area reading 0.9%.
- Madison, TN ZIP phases: 10 expansion, 2 peak, 1 neutral.
- Madison, TN residential listings tracked: 32 across 9 ZIPs; Madison, TN candidate listings 11.
- Madison, TN HUD assisted properties: 7 with 659 units.
- Madison, TN lenders on watch: 8; largest Madison, TN footprint Centennial Bank (4 branches).
- Madison, TN most distressed ZIP: 38301 at 30/100.
Madison, TN figures: DLRadar distress index; Madison, TN inputs: CFPB, FHFA, HUD, FDIC; Madison, TN rebuilt as sources refresh.
| Rank | Madison, TN ZIP | Score |
|---|---|---|
| 1 | 38301 | 30/100 |
| 2 | 38305 | 30/100 |
| 3 | 38362 | 30/100 |
| 4 | 38391 | 30/100 |
| 5 | 38355 | 28/100 |
| 6 | 38392 | 28/100 |
| 7 | 38356 | 26/100 |
| 8 | 38366 | 26/100 |
| 9 | 38313 | 25/100 |
| 10 | 38343 | 23/100 |
| 11 | 38351 | 23/100 |
| 12 | 38006 | 17/100 |
Most distressed Madison, TN ZIPs (0-100, 2026)
Mortgage delinquency around Madison, TN
No CFPB county sample covers Madison, TN; the metro area reading for Madison, TN (Jackson, TN): 0.9% ninety-plus; Madison, TN area thirty-to-eighty-nine 3.5% (December 2025, Madison, TN); Tennessee overall 0.9%.
Opportunity index: Madison, TN
Madison, TN index 30.5, Madison, TN phase watchlist; Madison, TN primary driver bank institutional, Madison, TN second driver vacancy. Madison, TN components: property stress 23.0, foreclosure pressure 17.5, listing discounts 34.1, bank stress 54.2, insurance 0.0; Madison, TN pulse 32.5; Madison, TN capital opportunity 27.4; Madison, TN seven-day change -0.4%.
ZIP market phases inside Madison, TN
13 Madison, TN ZIPs carry a price-cycle phase; Madison, TN ZIPs by phase (Madison, TN), deepest drawdown first: neutral, +4.6% YoY (Madison, TN): 38006; expansion, +6.3% YoY (Madison, TN): 38301, 38343, 38355, 38362, Madison, TN 38366, 38391; expansion, +6.2% YoY (Madison, TN): 38305; expansion, +5.5% YoY (Madison, TN): 38313; peak, +2.9% YoY (Madison, TN): 38348, 38351; expansion, +5.1% YoY (Madison, TN): 38356; expansion, +5.4% YoY (Madison, TN): 38392.
Residential listings by Madison, TN ZIP
Madison, TN ZIPs with the most tracked Madison, TN residential listings: 38301 13 listings, 7 candidates, bank pressure 62; 38305 9 listings, 4 candidates, bank pressure 60; 38355 7 listings, 0 candidates, bank pressure 63; 38313 2 listings, 0 candidates, bank pressure 64 (Madison, TN); 38366 1 listings, 0 candidates, bank pressure 64; 38356 0 listings, 0 candidates, bank pressure 64; 38362 0 listings, 0 candidates, bank pressure 62; 38391 0 listings, 0 candidates, bank pressure 62. Madison, TN totals: 32 listings; Madison, TN candidates 11; active ZIPs 5.
HUD assisted housing in Madison, TN
7 assisted properties with 659 units sit in Madison, TN; largest Madison, TN properties: St Mary Manor Apts (Jackson) 150 units, 149 assisted; Jackson Walk Apartments (Jackson) 149 units; Chapel Ridge Of Jackson (Jackson) 124 units in Madison, TN; East Pointe Apartments (Jackson) 99 units, 50 assisted; New Southern Senior Center (Jackson) 84 units, 84 assisted; Wesley Jackson Highlands (Jackson) 50 units, 49 assisted.
Lenders with branches in Madison, TN
Madison, TN lenders by branch count: Centennial Bank (Madison, TN): stress 70, 4 branches moderate in Madison, TN; Commercial Bank&Trust Co (Madison, TN): stress 68, 3 branches moderate in Madison, TN; Firstbank (Madison, TN): stress 55, 3 branches low in Madison, TN; First Horizon Bank (Madison, TN): stress 58, 2 branches low in Madison, TN; Insouth Bank (Madison, TN): stress 82, 1 branch moderate in Madison, TN; Carroll Bank&Trust (Madison, TN): stress 81, 1 branch moderate in Madison, TN; Bank3 (Madison, TN): stress 80, 1 branch moderate in Madison, TN; Decatur County Bank (Madison, TN): stress 79, 1 branch moderate in Madison, TN.
Vacancy and permits, Madison, TN
3,938 of 44,091 Madison, TN housing units are vacant; Madison, TN permits, twelve months: 0 multifamily units in Madison, TN, 238 one-to-four unit units.
Work Madison, TN at the parcel level
Every Madison, TN parcel carries owner and address; every Madison, TN parcel carries APN; Madison, TN distress scores sit on the Madison, TN live board.
Madison, TN figures refresh with each source.
Madison, TN questions
Most distressed ZIP code in Madison County, TN?
ZIP 38301 leads Madison, TN at 30/100; next in Madison, TN: 38305 at 30/100; the Madison, TN average is 26/100.
Where does Madison County, TN rank for investment opportunity?
Madison, TN is #1,198 among all ranked counties, #26 in Tennessee; the Madison, TN driver is bank institutional; Madison, TN moved up 402 places.
How many mortgages are delinquent in Madison County, TN?
Madison, TN takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Madison, TN.
Which banks lend in Madison County, TN?
8 watched lenders hold Madison, TN branches; the largest Madison, TN footprints are Centennial Bank (4), Commercial Bank&Trust Co (3), Firstbank (3).
More on Madison, TN
Madison County, TN distress report: public-record figures for Madison, TN; not legal advice for Madison, TN; not tax or investment advice; verify every Madison, TN record before acting.