Montgomery County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Tennessee? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 37040 at 33/100.
- 15 ZIP codes tracked in Montgomery County, averaging 28/100 distress.
- Montgomery County reads peak — home values up 1.9% year over year, 2.5% off peak.
- Vacancy runs 9.8% across Montgomery County's tracked ZIPs, with a 12.1% poverty rate.
- The typical Montgomery County home is worth about $278,821 against a ~$73,911 median income.
- Lending headwind in Montgomery County sits at 49/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37040 | 33/100 |
| 2 | 37042 | 33/100 |
| 3 | 37043 | 33/100 |
| 4 | 37052 | 33/100 |
| 5 | 37142 | 33/100 |
| 6 | 37171 | 33/100 |
| 7 | 37191 | 33/100 |
| 8 | 42223 | 33/100 |
| 9 | 37010 | 28/100 |
| 10 | 37032 | 26/100 |
| 11 | 37051 | 26/100 |
| 12 | 37015 | 23/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Montgomery County's placement in the national index rests on public filings — a 28/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Montgomery County market phase and pricing
Phase for Montgomery County: peak (+1.9% YoY, 2.5% off peak). As pricing power fades, listings sit longer and sellers become reachable.
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Frequently asked questions
Which ZIP code leads Montgomery County on distress?
ZIP 37040 leads Montgomery County at 33/100, recomputed monthly from public records.
What market phase is Montgomery County in?
Phase for Montgomery County: peak, tracking a 1.9% gain year over year, read off the FHFA index.
Where does the Montgomery County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 15 Montgomery County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montgomery County ZIP codes?
Averaging the county conceals how uneven it is. Across the Montgomery County ZIPs DLRadar ranks, scores run from 33/100 in 37040 down to 23/100 in 37015, against a Montgomery County average of 28/100. A spread of 10 points means Montgomery County has to be worked ZIP by ZIP.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $278,821 of value against a median household income near $73,911. Vacancy across Montgomery County's tracked ZIPs runs 9.8% and the poverty rate is 12.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Montgomery County's foreclosure and tax-lien record and its 49/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.