Mcnairy County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mcnairy County, TN distress report, 2026: 15 ZIPs scored in Mcnairy, TN, Mcnairy, TN average 22/100; the top Mcnairy, TN ZIP is 38061 at 24/100; Mcnairy, TN market phase peak, Mcnairy, TN prices +2.8% year over year.
- Mcnairy, TN ranks #543 nationally (opportunity index); Mcnairy, TN #11 in Tennessee; Mcnairy, TN index 33.2.
- Mcnairy, TN: no CFPB county sample; Mcnairy, TN non-metro area reading 1.3%.
- Mcnairy, TN ZIP phases: 12 peak, 2 expansion, 1 neutral.
- Mcnairy, TN residential listings tracked: 6 across 9 ZIPs; Mcnairy, TN candidate listings 3.
- Mcnairy, TN HUD assisted properties: 2 with 49 units.
- Mcnairy, TN lenders on watch: 5; largest Mcnairy, TN footprint Home Banking Co (3 branches).
- Mcnairy, TN most distressed ZIP: 38061 at 24/100.
Mcnairy, TN figures: DLRadar distress index; Mcnairy, TN inputs: CFPB, FHFA, HUD, FDIC; Mcnairy, TN rebuilt as sources refresh.
| Rank | Mcnairy, TN ZIP | Score |
|---|---|---|
| 1 | 38061 | 24/100 |
| 2 | 38310 | 24/100 |
| 3 | 38357 | 24/100 |
| 4 | 38379 | 24/100 |
| 5 | 38315 | 23/100 |
| 6 | 38339 | 23/100 |
| 7 | 38367 | 23/100 |
| 8 | 38375 | 23/100 |
| 9 | 38044 | 22/100 |
| 10 | 38334 | 22/100 |
| 11 | 38359 | 21/100 |
| 12 | 38361 | 21/100 |
Most distressed Mcnairy, TN ZIPs (0-100, 2026)
Mortgage delinquency around Mcnairy, TN
No CFPB county sample covers Mcnairy, TN; the non-metro area reading for Mcnairy, TN: 1.3% ninety-plus; Mcnairy, TN area thirty-to-eighty-nine 3.3% (December 2025, Mcnairy, TN); Tennessee overall 0.9%.
Opportunity index: Mcnairy, TN
Mcnairy, TN index 33.2, Mcnairy, TN phase overheated; Mcnairy, TN primary driver construction, Mcnairy, TN second driver vacancy. Mcnairy, TN components: property stress 22.4, foreclosure pressure 23.6, listing discounts 20.2, bank stress 58.0, insurance 0.0; Mcnairy, TN pulse 41.3; Mcnairy, TN capital opportunity 21.0; Mcnairy, TN seven-day change -0.6%.
ZIP market phases inside Mcnairy, TN
15 Mcnairy, TN ZIPs carry a price-cycle phase; Mcnairy, TN ZIPs by phase (Mcnairy, TN), deepest drawdown first: peak, +3.0% YoY (Mcnairy, TN): 38044, 38359; peak, +2.8% YoY (Mcnairy, TN): 38061, 38310, 38339, 38357, Mcnairy, TN 38361, 38367, 38375, 38376, Mcnairy, TN 38379; peak, +3.2% YoY (Mcnairy, TN): 38315; expansion, +5.9% YoY (Mcnairy, TN): 38332, 38340; neutral, +3.9% YoY (Mcnairy, TN): 38334.
Residential listings by Mcnairy, TN ZIP
Mcnairy, TN ZIPs with the most tracked Mcnairy, TN residential listings: 38310 3 listings, 2 candidates, bank pressure 73; 38375 2 listings, 0 candidates, bank pressure 72; 38061 1 listings, 1 candidates, bank pressure 71; 38315 0 listings, 0 candidates, bank pressure 71 (Mcnairy, TN); 38334 0 listings, 0 candidates, bank pressure 71; 38339 0 listings, 0 candidates, bank pressure 72; 38357 0 listings, 0 candidates, bank pressure 73; 38367 0 listings, 0 candidates, bank pressure 72. Mcnairy, TN totals: 6 listings; Mcnairy, TN candidates 3; active ZIPs 1.
HUD assisted housing in Mcnairy, TN
2 assisted properties with 49 units sit in Mcnairy, TN; largest Mcnairy, TN properties: Wesley At Adamsville (Adamsville) 25 units, 24 assisted; Oakhaven Village (Adamsville) 24 units, 23 assisted.
Lenders with branches in Mcnairy, TN
Mcnairy, TN lenders by branch count: Home Banking Co (Mcnairy, TN): stress 86, 3 branches low in Mcnairy, TN; Bank Of Fayette County (Mcnairy, TN): stress 74, 2 branches low in Mcnairy, TN; Central Bank (Mcnairy, TN): stress 72, 1 branch low in Mcnairy, TN; Centennial Bank (Mcnairy, TN): stress 70, 1 branch low in Mcnairy, TN; Hardin County Bank (Mcnairy, TN): stress 67, 1 branch low in Mcnairy, TN.
Vacancy and permits, Mcnairy, TN
2,388 of 12,327 Mcnairy, TN housing units are vacant; Mcnairy, TN permits, twelve months: 0 multifamily units in Mcnairy, TN, 13 one-to-four unit units.
Work Mcnairy, TN at the parcel level
Every Mcnairy, TN parcel carries owner and address; every Mcnairy, TN parcel carries APN; Mcnairy, TN distress scores sit on the Mcnairy, TN live board.
Mcnairy, TN figures refresh with each source.
Mcnairy, TN questions
Most distressed ZIP code in Mcnairy County, TN?
ZIP 38061 leads Mcnairy, TN at 24/100; next in Mcnairy, TN: 38310 at 24/100; the Mcnairy, TN average is 22/100.
Where does Mcnairy County, TN rank for investment opportunity?
Mcnairy, TN is #543 among all ranked counties, #11 in Tennessee; the Mcnairy, TN driver is construction; Mcnairy, TN moved down 403 places.
How many mortgages are delinquent in Mcnairy County, TN?
Mcnairy, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Mcnairy, TN.
Which banks lend in Mcnairy County, TN?
5 watched lenders hold Mcnairy, TN branches; the largest Mcnairy, TN footprints are Home Banking Co (3), Bank Of Fayette County (2), Central Bank (1).
More on Mcnairy, TN
Mcnairy County, TN distress report: public-record figures for Mcnairy, TN; not legal advice for Mcnairy, TN; not tax or investment advice; verify every Mcnairy, TN record before acting.