Putnam County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Putnam County, Tennessee? DLRadar grades every Putnam County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Putnam County breakdown.
- Putnam County's most distressed ZIP is 38503 at 19/100.
- 11 ZIP codes tracked in Putnam County, averaging 17/100 distress.
- Putnam County reads peak — home values up 2.0% year over year.
- Vacancy runs 13.8% across Putnam County's tracked ZIPs, with a 13.7% poverty rate.
- The typical Putnam County home is worth about $242,411 against a ~$57,088 median income.
- Lending headwind in Putnam County sits at 30/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38503 | 19/100 |
| 2 | 38505 | 19/100 |
| 3 | 38501 | 18/100 |
| 4 | 38544 | 18/100 |
| 5 | 38548 | 18/100 |
| 6 | 38506 | 17/100 |
| 7 | 38545 | 17/100 |
| 8 | 38564 | 16/100 |
| 9 | 38574 | 16/100 |
| 10 | 38582 | 15/100 |
| 11 | 38583 | 14/100 |
Most distressed ZIP codes in Putnam County (composite distress 0-100, 2026)
What is driving Putnam County distress
Nothing here is estimated: Putnam County is scored from filings alone, and its ZIPs average 17/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Putnam County market phase and pricing
The cycle in Putnam County is peak, with values up 2.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Putnam County
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Questions about this county
What is the most distressed ZIP code in Putnam County, TN?
ZIP 38503 leads Putnam County at 19/100, recomputed monthly from public records.
Which phase does Putnam County sit in right now?
FHFA price-index movement places Putnam County in peak; prices are up 2.0% over twelve months.
Where does the Putnam County data come from?
Each Putnam County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 11 local ZIPs and every other county in the country.
How much do distress scores vary between Putnam County ZIP codes?
Averaging the county conceals how uneven it is. Across the Putnam County ZIPs DLRadar ranks, scores run from 19/100 in 38503 down to 14/100 in 38583, against a Putnam County average of 17/100. With 5 points between best and worst, county-level targeting in Putnam County wastes effort.
What do Putnam County home values and vacancy say about distressed supply?
The typical Putnam County home carries about $242,411 of value against a median household income near $57,088. Vacancy across Putnam County's tracked ZIPs runs 13.8% and the poverty rate is 13.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Putnam County's foreclosure and tax-lien filings and its 30/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.