Putnam County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Putnam County, TN distress report, 2026: 11 ZIPs scored in Putnam, TN, Putnam, TN average 21/100; the top Putnam, TN ZIP is 38503 at 24/100; Putnam, TN market phase peak, Putnam, TN prices +2.0% year over year.
- Putnam, TN ranks #2,497 nationally (opportunity index); Putnam, TN #81 in Tennessee; Putnam, TN index 25.9.
- Putnam, TN: no CFPB county sample; Putnam, TN non-metro area reading 1.3%.
- Putnam, TN ZIP phases: 11 peak.
- Putnam, TN residential listings tracked: 7 across 8 ZIPs; Putnam, TN candidate listings 2.
- Putnam, TN HUD assisted properties: 5 with 191 units.
- Putnam, TN lenders on watch: 8; largest Putnam, TN footprint One Bank Of Tennessee (6 branches).
- Putnam, TN most distressed ZIP: 38503 at 24/100.
Putnam, TN figures: DLRadar distress index; Putnam, TN inputs: CFPB, FHFA, HUD, FDIC; Putnam, TN rebuilt as sources refresh.
| Rank | Putnam, TN ZIP | Score |
|---|---|---|
| 1 | 38503 | 24/100 |
| 2 | 38505 | 24/100 |
| 3 | 38544 | 23/100 |
| 4 | 38501 | 22/100 |
| 5 | 38548 | 22/100 |
| 6 | 38506 | 21/100 |
| 7 | 38545 | 20/100 |
| 8 | 38574 | 19/100 |
| 9 | 38582 | 19/100 |
| 10 | 38564 | 18/100 |
| 11 | 38583 | 15/100 |
Most distressed Putnam, TN ZIPs (0-100, 2026)
Mortgage delinquency around Putnam, TN
No CFPB county sample covers Putnam, TN; the non-metro area reading for Putnam, TN: 1.3% ninety-plus; Putnam, TN area thirty-to-eighty-nine 3.3% (December 2025, Putnam, TN); Tennessee overall 0.9%.
Opportunity index: Putnam, TN
Putnam, TN index 25.9, Putnam, TN phase weak; Putnam, TN primary driver bank institutional, Putnam, TN second driver construction. Putnam, TN components: property stress 18.6, foreclosure pressure 19.4, listing discounts 20.0, bank stress 50.6, insurance 0.0; Putnam, TN pulse 28.7; Putnam, TN capital opportunity 21.6; Putnam, TN seven-day change +0.2%.
ZIP market phases inside Putnam, TN
11 Putnam, TN ZIPs carry a price-cycle phase; Putnam, TN ZIPs by phase (Putnam, TN), deepest drawdown first: peak, +1.8% YoY, 0.1% off peak (Putnam, TN): 38548; peak, +2.0% YoY (Putnam, TN): 38501, 38503, 38505, 38506, Putnam, TN 38545, 38564; peak, +2.1% YoY (Putnam, TN): 38544, 38574, 38583; peak, +2.4% YoY (Putnam, TN): 38582.
Residential listings by Putnam, TN ZIP
Putnam, TN ZIPs with the most tracked Putnam, TN residential listings: 38506 4 listings, 2 candidates, bank pressure 53; 38501 1 listings, 0 candidates, bank pressure 53; 38544 1 listings, 0 candidates, bank pressure 54; 38574 1 listings, 0 candidates, bank pressure 54 (Putnam, TN); 38503 0 listings, 0 candidates, bank pressure 53; 38505 0 listings, 0 candidates, bank pressure 53; 38548 0 listings, 0 candidates, bank pressure 55; 38582 0 listings, 0 candidates, bank pressure 54. Putnam, TN totals: 7 listings; Putnam, TN candidates 2; active ZIPs 4.
HUD assisted housing in Putnam, TN
5 assisted properties with 191 units sit in Putnam, TN; largest Putnam, TN properties: Walnut Village Apts (Cookeville) 80 units, 80 assisted; Algood Manor Apartments (Algood) 59 units, 58 assisted; Algood Village (Algood) 22 units, 22 assisted in Putnam, TN; Laurel Creek (Cookeville) 19 units, 19 assisted; Highland Manor Ii (Monterey) 11 units, 11 assisted.
Lenders with branches in Putnam, TN
Putnam, TN lenders by branch count: One Bank Of Tennessee (Putnam, TN): stress 52, 6 branches low in Putnam, TN; Putnam 1st Mercantile Bank (Putnam, TN): stress 54, 3 branches low in Putnam, TN; Southeast Bank (Putnam, TN): stress 81, 2 branches low in Putnam, TN; Wellworth Bank (Putnam, TN): stress 65, 2 branches low in Putnam, TN; Wilson Bank&Trust (Putnam, TN): stress 61, 2 branches low in Putnam, TN; First Horizon Bank (Putnam, TN): stress 58, 2 branches low in Putnam, TN; First Nb Of Tennessee (Putnam, TN): stress 43, 2 branches low in Putnam, TN; First Freedom Bank (Putnam, TN): stress 43, 2 branches low in Putnam, TN.
Vacancy and permits, Putnam, TN
2,905 of 36,506 Putnam, TN housing units are vacant; Putnam, TN permits, twelve months: 214 multifamily units in Putnam, TN, 516 one-to-four unit units.
Work Putnam, TN at the parcel level
Every Putnam, TN parcel carries owner and address; every Putnam, TN parcel carries APN; Putnam, TN distress scores sit on the Putnam, TN live board.
Putnam, TN figures refresh with each source.
Putnam, TN questions
Most distressed ZIP code in Putnam County, TN?
ZIP 38503 leads Putnam, TN at 24/100; next in Putnam, TN: 38505 at 24/100; the Putnam, TN average is 21/100.
Where does Putnam County, TN rank for investment opportunity?
Putnam, TN is #2,497 among all ranked counties, #81 in Tennessee; the Putnam, TN driver is bank institutional; Putnam, TN moved up 47 places.
How many mortgages are delinquent in Putnam County, TN?
Putnam, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Putnam, TN.
Which banks lend in Putnam County, TN?
8 watched lenders hold Putnam, TN branches; the largest Putnam, TN footprints are One Bank Of Tennessee (6), Putnam 1st Mercantile Bank (3), Southeast Bank (2).
More on Putnam, TN
Putnam County, TN distress report: public-record figures for Putnam, TN; not legal advice for Putnam, TN; not tax or investment advice; verify every Putnam, TN record before acting.