Morgan County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Morgan County, Tennessee? DLRadar grades every Morgan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Morgan County breakdown.
- Morgan County's most distressed ZIP is 37840 at 18/100.
- 12 ZIP codes tracked in Morgan County, averaging 10/100 distress.
- Morgan County reads neutral — home values up 3.8% year over year.
- Vacancy runs 22.5% across Morgan County's tracked ZIPs, with a 18.4% poverty rate.
- The typical Morgan County home is worth about $165,689 against a ~$55,493 median income.
- Lending headwind in Morgan County sits at 41/100 — 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 | 37840 | 18/100 |
| 2 | 37748 | 16/100 |
| 3 | 37854 | 16/100 |
| 4 | 37719 | 8/100 |
| 5 | 37726 | 8/100 |
| 6 | 37733 | 8/100 |
| 7 | 37770 | 8/100 |
| 8 | 37829 | 8/100 |
| 9 | 37845 | 8/100 |
| 10 | 37852 | 8/100 |
| 11 | 37872 | 8/100 |
| 12 | 37887 | 8/100 |
Most distressed ZIP codes in Morgan County (composite distress 0-100, 2026)
What is driving Morgan County distress
DLRadar builds Morgan County's distress picture only from records anyone can pull; its ZIPs average 10/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Morgan County market phase and pricing
Morgan County currently sits in neutral after a 3.8% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Morgan County
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Questions about this county
Which Morgan County ZIP scores worst for distress?
ZIP 37840 leads Morgan County at 18/100, recomputed monthly from public records.
What market phase is Morgan County in?
Morgan County is classified neutral with a 3.8% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Morgan County numbers?
The inputs are all public: FHFA for the neutral path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 12 ZIP codes in Morgan County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Morgan County ZIP codes?
One county number flattens a wide range. Across the Morgan County ZIPs DLRadar ranks, scores run from 18/100 in 37840 down to 8/100 in 37887, against a Morgan County average of 10/100. The 10-point range is the argument for ZIP-level search across Morgan County.
What do Morgan County home values and vacancy say about distressed supply?
The typical Morgan County home carries about $165,689 of value against a median household income near $55,493. Vacancy across Morgan County's tracked ZIPs runs 22.5% and the poverty rate is 18.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Morgan County's foreclosure and tax-lien filings and its 41/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.