Polk County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Polk County, Tennessee? DLRadar grades every Polk County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Polk County breakdown.
- Polk County's most distressed ZIP is 37323 at 27/100.
- 13 ZIP codes tracked in Polk County, averaging 16/100 distress.
- Polk County reads expansion — home values up 5.3% year over year.
- Vacancy runs 18.2% across Polk County's tracked ZIPs, with a 17% poverty rate.
- The typical Polk County home is worth about $178,709 against a ~$66,839 median income.
- Lending headwind in Polk County sits at 17/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Polk County (composite distress 0-100, 2026)
What is driving Polk County distress
Nothing here is estimated: Polk County is scored from filings alone, and its ZIPs average 16/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Polk County market phase and pricing
Polk County reads expansion — home prices rose 5.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Polk County
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Questions about this county
Which ZIP code leads Polk County on distress?
ZIP 37323 leads Polk County at 27/100, recomputed monthly from public records.
What market phase is Polk County in?
Polk County is classified expansion with a 5.3% year-over-year increase, following the FHFA House Price Index.
Can the Polk County figures be verified?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 13 ZIP codes in Polk County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Polk County ZIP codes?
The county figure is a blend, not a description. Across the Polk County ZIPs DLRadar ranks, scores run from 27/100 in 37323 down to 14/100 in 37391, against a Polk County average of 16/100. Those 13 points separate the ZIPs worth working in Polk County from the rest.
What do Polk County home values and vacancy say about distressed supply?
The typical Polk County home carries about $178,709 of value against a median household income near $66,839. Vacancy across Polk County's tracked ZIPs runs 18.2% and the poverty rate is 17%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Polk County's foreclosure and tax-lien filings and its 17/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.