Madison County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Tennessee? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 38301 at 30/100.
- 13 ZIP codes tracked in Madison County, averaging 26/100 distress.
- Madison County reads expansion — home values up 6.3% year over year.
- Vacancy runs 11.3% across Madison County's tracked ZIPs, with a 12.3% poverty rate.
- The typical Madison County home is worth about $159,254 against a ~$59,777 median income.
- Lending headwind in Madison County sits at 61/100 — 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 | 38301 | 30/100 |
| 2 | 38305 | 30/100 |
| 3 | 38362 | 30/100 |
| 4 | 38391 | 30/100 |
| 5 | 38355 | 28/100 |
| 6 | 38392 | 28/100 |
| 7 | 38313 | 26/100 |
| 8 | 38356 | 26/100 |
| 9 | 38366 | 26/100 |
| 10 | 38343 | 24/100 |
| 11 | 38351 | 24/100 |
| 12 | 38006 | 18/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
Nothing here is estimated: Madison County is scored from filings alone, and its ZIPs average 26/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Madison County market phase and pricing
Phase for Madison County: expansion (+6.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Madison County
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What people ask
Which Madison County ZIP scores worst for distress?
ZIP 38301 leads Madison County at 30/100, recomputed monthly from public records.
What market phase is Madison County in?
FHFA price-index movement places Madison County in expansion; prices are up 6.3% over twelve months.
How is the Madison County data sourced?
Each Madison County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 13 local ZIPs and every other county in the country.
How much do distress scores vary between Madison County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Madison County ZIPs DLRadar ranks, scores run from 30/100 in 38301 down to 18/100 in 38006, against a Madison County average of 26/100. With 12 points between best and worst, county-level targeting in Madison County wastes effort.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $159,254 of value against a median household income near $59,777. Vacancy across Madison County's tracked ZIPs runs 11.3% and the poverty rate is 12.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Madison County's foreclosure and tax-lien filings and its 61/100 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.