Montgomery County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, TN distress report, 2026: 15 ZIPs scored in Montgomery, TN, Montgomery, TN average 28/100; the top Montgomery, TN ZIP is 37040 at 33/100; Montgomery, TN market phase peak, Montgomery, TN prices +1.9% year over year.
- Montgomery, TN ranks #1,537 nationally (opportunity index); Montgomery, TN #41 in Tennessee; Montgomery, TN index 29.3.
- Montgomery, TN ninety-day mortgage delinquency 1.2% in December 2025; Montgomery, TN twelve-month change -0.2%.
- Montgomery, TN ZIP phases: 15 peak.
- Montgomery, TN residential listings tracked: 133 across 8 ZIPs; Montgomery, TN candidate listings 13.
- Montgomery, TN HUD assisted properties: 11 with 1,204 units.
- Montgomery, TN lenders on watch: 5; largest Montgomery, TN footprint Lawrence Bank (9 branches).
- Montgomery, TN most distressed ZIP: 37040 at 33/100.
Montgomery, TN figures: DLRadar distress index; Montgomery, TN inputs: CFPB, FHFA, HUD, FDIC; Montgomery, TN rebuilt as sources refresh.
| Rank | Montgomery, TN ZIP | Score |
|---|---|---|
| 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 | 37051 | 27/100 |
| 11 | 37015 | 26/100 |
| 12 | 37032 | 25/100 |
Most distressed Montgomery, TN ZIPs (0-100, 2026)
Mortgage delinquency in Montgomery, TN
1.2% of Montgomery, TN mortgages were ninety-plus days late (Montgomery, TN, December 2025); Montgomery, TN thirty-to-eighty-nine days late: 2.9%; Montgomery, TN twelve-month change -0.2%; Montgomery, TN peak since 2008: 3.3% (January 2010); Tennessee overall 0.9%. Montgomery, TN ninety-day series: Dec 24 1.4, Jan 25 1.4, Feb 25 1.4 (Montgomery, TN), Mar 25 1.1, Apr 25 1.1, May 25 1.0 (Montgomery, TN), Jun 25 0.9, Jul 25 0.7, Aug 25 0.8 (Montgomery, TN), Sep 25 1.3, Oct 25 1.3, Nov 25 1.3 (Montgomery, TN), Dec 25 1.2.
Opportunity index: Montgomery, TN
Montgomery, TN index 29.3, Montgomery, TN phase early_signal; Montgomery, TN primary driver construction, Montgomery, TN second driver bank institutional. Montgomery, TN components: property stress 17.2, foreclosure pressure 14.8, listing discounts 34.6, bank stress 53.3, insurance 0.0; Montgomery, TN pulse 31.0; Montgomery, TN capital opportunity 26.8; Montgomery, TN seven-day change -1.0%.
ZIP market phases inside Montgomery, TN
15 Montgomery, TN ZIPs carry a price-cycle phase; Montgomery, TN ZIPs by phase (Montgomery, TN), deepest drawdown first: peak, +1.9% YoY, 2.5% off peak (Montgomery, TN): 37040, 37042, 37142, 37191, Montgomery, TN 42223, 37079, 37171; peak, +1.9% YoY, 2.4% off peak (Montgomery, TN): 37043, 37052; peak, +2.2% YoY, 1.8% off peak (Montgomery, TN): 37050; peak, +1.5% YoY, 1.1% off peak (Montgomery, TN): 37010; peak, +1.5% YoY, 0.7% off peak (Montgomery, TN): 37051; peak, +1.3% YoY, 0.2% off peak (Montgomery, TN): 37015, 37032; peak, +2.8% YoY, 0.0% off peak (Montgomery, TN): 37061.
Residential listings by Montgomery, TN ZIP
Montgomery, TN ZIPs with the most tracked Montgomery, TN residential listings: 37042 63 listings, 5 candidates, bank pressure 59; 37040 34 listings, 5 candidates, bank pressure 59; 37043 34 listings, 3 candidates, bank pressure 60; 37142 2 listings, 0 candidates, bank pressure 59 (Montgomery, TN); 37052 0 listings, 0 candidates, bank pressure 62; 37171 0 listings, 0 candidates, bank pressure 62; 37191 0 listings, 0 candidates, bank pressure 59; 42223 0 listings, 0 candidates, bank pressure 61. Montgomery, TN totals: 133 listings; Montgomery, TN candidates 13; active ZIPs 4.
HUD assisted housing in Montgomery, TN
11 assisted properties with 1,204 units sit in Montgomery, TN; largest Montgomery, TN properties: Autumn Winds (Clarksville) 264 units; Vantage Pointe Homes @ Cumberland Ridge (Clarksville) 252 units; The Fountains At Meadow Wood (Clarksville) 184 units in Montgomery, TN; Parc At Clarksville (Clarksville) 168 units; South Central Village Apts Of Clarksville (Clarksville) 134 units, 133 assisted; Ramblewood Apartments (Clarksville) 112 units, 112 assisted.
Lenders with branches in Montgomery, TN
Montgomery, TN lenders by branch count: Lawrence Bank (Montgomery, TN): stress 64, 9 branches low in Montgomery, TN; Legends Bank (Montgomery, TN): stress 71, 5 branches low in Montgomery, TN; First Federal Bank (Montgomery, TN): stress 57, 5 branches low in Montgomery, TN; Traditions First Bank (Montgomery, TN): stress 75, 2 branches low in Montgomery, TN; First Horizon Bank (Montgomery, TN): stress 58, 1 branch low in Montgomery, TN.
Vacancy and permits, Montgomery, TN
5,686 of 93,445 Montgomery, TN housing units are vacant; Montgomery, TN permits, twelve months: 891 multifamily units in Montgomery, TN, 1,542 one-to-four unit units.
Work Montgomery, TN at the parcel level
Every Montgomery, TN parcel carries owner and address; every Montgomery, TN parcel carries APN; Montgomery, TN distress scores sit on the Montgomery, TN live board.
Montgomery, TN figures refresh with each source.
Montgomery, TN questions
Most distressed ZIP code in Montgomery County, TN?
ZIP 37040 leads Montgomery, TN at 33/100; next in Montgomery, TN: 37042 at 33/100; the Montgomery, TN average is 28/100.
Where does Montgomery County, TN rank for investment opportunity?
Montgomery, TN is #1,537 among all ranked counties, #41 in Tennessee; the Montgomery, TN driver is construction; Montgomery, TN moved up 473 places.
How many mortgages are delinquent in Montgomery County, TN?
1.2% of Montgomery, TN mortgages were ninety-plus days late in December 2025; the Montgomery, TN peak since 2008 was 3.3%.
Which banks lend in Montgomery County, TN?
5 watched lenders hold Montgomery, TN branches; the largest Montgomery, TN footprints are Lawrence Bank (9), Legends Bank (5), First Federal Bank (5).
More on Montgomery, TN
Montgomery County, TN distress report: public-record figures for Montgomery, TN; not legal advice for Montgomery, TN; not tax or investment advice; verify every Montgomery, TN record before acting.