Rutherford County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rutherford County, Tennessee? DLRadar grades every Rutherford County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Rutherford County breakdown.
- Rutherford County's most distressed ZIP is 37086 at 30/100.
- 20 ZIP codes tracked in Rutherford County, averaging 28/100 distress.
- Rutherford County reads peak — home values up 1.3% year over year.
- Vacancy runs 7.3% across Rutherford County's tracked ZIPs, with a 7.2% poverty rate.
- The typical Rutherford County home is worth about $462,674 against a ~$90,915 median income.
- Lending headwind in Rutherford County sits at 42/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37086 | 30/100 |
| 2 | 37090 | 30/100 |
| 3 | 37122 | 30/100 |
| 4 | 37037 | 29/100 |
| 5 | 37085 | 29/100 |
| 6 | 37118 | 29/100 |
| 7 | 37127 | 29/100 |
| 8 | 37128 | 29/100 |
| 9 | 37129 | 29/100 |
| 10 | 37130 | 29/100 |
| 11 | 37132 | 29/100 |
| 12 | 37167 | 29/100 |
Most distressed ZIP codes in Rutherford County (composite distress 0-100, 2026)
What is driving Rutherford County distress
Rutherford County's placement in the national index rests on public filings — a 28/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Rutherford County market phase and pricing
Rutherford County currently sits in peak after a 1.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Rutherford County
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Common questions
Which ZIP code leads Rutherford County on distress?
ZIP 37086 leads Rutherford County at 30/100, recomputed monthly from public records.
Which phase does Rutherford County sit in right now?
The market phase for Rutherford County is peak, prices rising 1.3% on the year — derived from the FHFA House Price Index path.
How is the Rutherford County data sourced?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 20 ZIP codes in Rutherford County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Rutherford County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Rutherford County ZIPs DLRadar ranks, scores run from 30/100 in 37086 down to 29/100 in 37167, against a Rutherford County average of 28/100. With 1 points between best and worst, county-level targeting in Rutherford County wastes effort.
What do Rutherford County home values and vacancy say about distressed supply?
The typical Rutherford County home carries about $462,674 of value against a median household income near $90,915. Vacancy across Rutherford County's tracked ZIPs runs 7.3% and the poverty rate is 7.2%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Rutherford County's foreclosure and tax-lien record and its 42/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.