Polk County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, TN distress report, 2026: 13 ZIPs scored in Polk, TN, Polk, TN average 16/100; the top Polk, TN ZIP is 37323 at 27/100; Polk, TN market phase expansion, Polk, TN prices +5.3% year over year.
- Polk, TN ranks #1,280 nationally (opportunity index); Polk, TN #29 in Tennessee; Polk, TN index 30.2.
- Polk, TN: no CFPB county sample; Polk, TN non-metro area reading 1.3%.
- Polk, TN ZIP phases: 11 expansion, 1 peak, 1 neutral.
- Polk, TN residential listings tracked: 8 across 10 ZIPs; Polk, TN candidate listings 2.
- Polk, TN HUD assisted properties: 1 with 24 units.
- Polk, TN lenders on watch: 2; largest Polk, TN footprint Builtwell Bank (2 branches).
- Polk, TN most distressed ZIP: 37323 at 27/100.
Polk, TN figures: DLRadar distress index; Polk, TN inputs: CFPB, FHFA, HUD, FDIC; Polk, TN rebuilt as sources refresh.
| Rank | Polk, TN ZIP | Score |
|---|---|---|
| 1 | 37323 | 27/100 |
| 2 | 37310 | 26/100 |
| 3 | 37362 | 18/100 |
| 4 | 37307 | 15/100 |
| 5 | 37325 | 15/100 |
| 6 | 37369 | 15/100 |
| 7 | 37316 | 14/100 |
| 8 | 37317 | 14/100 |
| 9 | 37326 | 14/100 |
| 10 | 37333 | 14/100 |
| 11 | 37361 | 14/100 |
| 12 | 37391 | 14/100 |
Most distressed Polk, TN ZIPs (0-100, 2026)
Mortgage delinquency around Polk, TN
No CFPB county sample covers Polk, TN; the non-metro area reading for Polk, TN: 1.3% ninety-plus; Polk, TN area thirty-to-eighty-nine 3.3% (December 2025, Polk, TN); Tennessee overall 0.9%.
Opportunity index: Polk, TN
Polk, TN index 30.2, Polk, TN phase early_signal; Polk, TN primary driver vacancy, Polk, TN second driver construction. Polk, TN components: property stress 23.6, foreclosure pressure 21.9, listing discounts 23.8, bank stress 40.9, insurance 0.0; Polk, TN pulse 32.9; Polk, TN capital opportunity 26.1; Polk, TN seven-day change -0.7%.
ZIP market phases inside Polk, TN
13 Polk, TN ZIPs carry a price-cycle phase; Polk, TN ZIPs by phase (Polk, TN), deepest drawdown first: expansion, +5.3% YoY (Polk, TN): 37307, 37310, 37316, 37317, Polk, TN 37323, 37326, 37333, 37361, Polk, TN 37362, 37391; peak, +2.4% YoY (Polk, TN): 37309; neutral, +4.9% YoY (Polk, TN): 37325; expansion, +5.1% YoY (Polk, TN): 37369.
Residential listings by Polk, TN ZIP
Polk, TN ZIPs with the most tracked Polk, TN residential listings: 37307 4 listings, 0 candidates, bank pressure 58; 37317 1 listings, 0 candidates, bank pressure 54; 37325 1 listings, 1 candidates, bank pressure 53; 37362 1 listings, 0 candidates, bank pressure 58 (Polk, TN); 37391 1 listings, 1 candidates, bank pressure 54; 37316 0 listings, 0 candidates, bank pressure 54; 37326 0 listings, 0 candidates, bank pressure 54; 37333 0 listings, 0 candidates, bank pressure 54. Polk, TN totals: 8 listings; Polk, TN candidates 2; active ZIPs 3.
HUD assisted housing in Polk, TN
1 assisted properties with 24 units sit in Polk, TN; largest Polk, TN properties: Walnut Creek Apartments (Benton) 24 units, 24 assisted.
Lenders with branches in Polk, TN
Polk, TN lenders by branch count: Builtwell Bank (Polk, TN): stress 42, 2 branches low in Polk, TN; Peoples Bank Of East Tn (Polk, TN): stress 60, 1 branch low in Polk, TN.
Vacancy and permits, Polk, TN
1,640 of 9,064 Polk, TN housing units are vacant; Polk, TN permits, twelve months: 0 multifamily units in Polk, TN, 182 one-to-four unit units.
Work Polk, TN at the parcel level
Every Polk, TN parcel carries owner and address; every Polk, TN parcel carries APN; Polk, TN distress scores sit on the Polk, TN live board.
Polk, TN figures refresh with each source.
Polk, TN questions
Most distressed ZIP code in Polk County, TN?
ZIP 37323 leads Polk, TN at 27/100; next in Polk, TN: 37310 at 26/100; the Polk, TN average is 16/100.
Where does Polk County, TN rank for investment opportunity?
Polk, TN is #1,280 among all ranked counties, #29 in Tennessee; the Polk, TN driver is vacancy; Polk, TN moved up 216 places.
How many mortgages are delinquent in Polk County, TN?
Polk, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Polk, TN.
Which banks lend in Polk County, TN?
2 watched lenders hold Polk, TN branches; the largest Polk, TN footprints are Builtwell Bank (2), Peoples Bank Of East Tn (1).
More on Polk, TN
Polk County, TN distress report: public-record figures for Polk, TN; not legal advice for Polk, TN; not tax or investment advice; verify every Polk, TN record before acting.