Obion County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Obion County, TN distress report, 2026: 12 ZIPs scored in Obion, TN, Obion, TN average 27/100; the top Obion, TN ZIP is 38232 at 30/100; Obion, TN market phase peak, Obion, TN prices +2.0% year over year.
- Obion, TN ranks #1,258 nationally (opportunity index); Obion, TN #29 in Tennessee; Obion, TN index 30.2.
- Obion, TN: no CFPB county sample; Obion, TN non-metro area reading 1.3%.
- Obion, TN ZIP phases: 11 peak, 1 neutral.
- Obion, TN residential listings tracked: 7 across 8 ZIPs; Obion, TN candidate listings 2.
- Obion, TN HUD assisted properties: 6 with 289 units.
- Obion, TN lenders on watch: 4; largest Obion, TN footprint Bank3 (2 branches).
- Obion, TN most distressed ZIP: 38232 at 30/100.
Obion, TN figures: DLRadar distress index; Obion, TN inputs: CFPB, FHFA, HUD, FDIC; Obion, TN rebuilt as sources refresh.
| Rank | Obion, TN ZIP | Score |
|---|---|---|
| 1 | 38232 | 30/100 |
| 2 | 38240 | 30/100 |
| 3 | 38253 | 30/100 |
| 4 | 38254 | 30/100 |
| 5 | 38260 | 30/100 |
| 6 | 38261 | 30/100 |
| 7 | 38259 | 29/100 |
| 8 | 38257 | 28/100 |
| 9 | 38080 | 24/100 |
| 10 | 38233 | 24/100 |
| 11 | 38237 | 22/100 |
| 12 | 38255 | 21/100 |
Most distressed Obion, TN ZIPs (0-100, 2026)
Mortgage delinquency around Obion, TN
No CFPB county sample covers Obion, TN; the non-metro area reading for Obion, TN: 1.3% ninety-plus; Obion, TN area thirty-to-eighty-nine 3.3% (December 2025, Obion, TN); Tennessee overall 0.9%.
Opportunity index: Obion, TN
Obion, TN index 30.2, Obion, TN phase early_signal; Obion, TN primary driver vacancy, Obion, TN second driver construction. Obion, TN components: property stress 20.7, foreclosure pressure 21.2, listing discounts 26.4, bank stress 56.1, insurance 0.0; Obion, TN pulse 34.7; Obion, TN capital opportunity 23.5; Obion, TN seven-day change -0.4%.
ZIP market phases inside Obion, TN
12 Obion, TN ZIPs carry a price-cycle phase; Obion, TN ZIPs by phase (Obion, TN), deepest drawdown first: peak, +2.5% YoY (Obion, TN): 38080, 38259; peak, +2.0% YoY (Obion, TN): 38232, 38237, 38240, 38253, Obion, TN 38254, 38255, 38257, 38260, Obion, TN 38261; neutral, +4.2% YoY (Obion, TN): 38233.
Residential listings by Obion, TN ZIP
Obion, TN ZIPs with the most tracked Obion, TN residential listings: 38261 4 listings, 1 candidates, bank pressure 58; 38257 2 listings, 0 candidates, bank pressure 58; 38253 1 listings, 1 candidates, bank pressure 58; 38232 0 listings, 0 candidates, bank pressure 58 (Obion, TN); 38240 0 listings, 0 candidates, bank pressure 59; 38254 0 listings, 0 candidates, bank pressure 58; 38259 0 listings, 0 candidates, bank pressure 61; 38260 0 listings, 0 candidates, bank pressure 58. Obion, TN totals: 7 listings; Obion, TN candidates 2; active ZIPs 1.
HUD assisted housing in Obion, TN
6 assisted properties with 289 units sit in Obion, TN; largest Obion, TN properties: East Gate Village Apts (Union City) 100 units, 100 assisted; Southside Manor Apartments (South Fulton) 66 units, 66 assisted; Parkview Manor Apartments (Union City) 50 units, 50 assisted in Obion, TN; Davy Crockett Senior Center (Union City) 42 units, 42 assisted; Evergreen Apartments (Union City) 21 units, 20 assisted; Kc Home Of South Fulton (South Fulton) 10 units.
Lenders with branches in Obion, TN
Obion, TN lenders by branch count: Bank3 (Obion, TN): stress 80, 2 branches low in Obion, TN; Commercial Bank&Trust Co (Obion, TN): stress 68, 2 branches low in Obion, TN; Security Bank&Trust Co (Obion, TN): stress 56, 1 branch low in Obion, TN; Foundation Bank (Obion, TN): stress 37, 1 branch moderate in Obion, TN.
Vacancy and permits, Obion, TN
1,799 of 14,326 Obion, TN housing units are vacant; Obion, TN permits, twelve months: 0 multifamily units in Obion, TN, 21 one-to-four unit units.
Work Obion, TN at the parcel level
Every Obion, TN parcel carries owner and address; every Obion, TN parcel carries APN; Obion, TN distress scores sit on the Obion, TN live board.
Obion, TN figures refresh with each source.
Obion, TN questions
Most distressed ZIP code in Obion County, TN?
ZIP 38232 leads Obion, TN at 30/100; next in Obion, TN: 38240 at 30/100; the Obion, TN average is 27/100.
Where does Obion County, TN rank for investment opportunity?
Obion, TN is #1,258 among all ranked counties, #29 in Tennessee; the Obion, TN driver is vacancy; Obion, TN moved down 176 places.
How many mortgages are delinquent in Obion County, TN?
Obion, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Obion, TN.
Which banks lend in Obion County, TN?
4 watched lenders hold Obion, TN branches; the largest Obion, TN footprints are Bank3 (2), Commercial Bank&Trust Co (2), Security Bank&Trust Co (1).
More on Obion, TN
Obion County, TN distress report: public-record figures for Obion, TN; not legal advice for Obion, TN; not tax or investment advice; verify every Obion, TN record before acting.