Tennessee County Foreclosure & Distress Reports (2026)

One report per county — 95 in Tennessee — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Tennessee distress hub; insurance pressure is on the Tennessee home-insurance page.

95 Tennessee county reports sit in this archive; Tennessee opportunity phases run 37 early_signal, 34 weak, 13 watchlist; Tennessee ninety-day delinquency 0.9%; 109 banks chartered in Tennessee; 41,823 HUD-assisted Tennessee units.

Tennessee counties to open first by opportunity rank: Benton (#41, overheated); Decatur (#61, overheated); Perry (#135, strong_buy) in Tennessee; Hardeman (#203, overheated); Houston (#290, peak_opportunity); Sevier (#328, peak_opportunity).

Tennessee insurance bands across counties: 48 medium in Tennessee, 40 low, 7 high; Tennessee NFIP claims 781 in three years.

Tennessee counties in the peak phase (77): Bedford, Benton, Bledsoe, Cannon, Carroll, Cheatham (Tennessee), Claiborne, Clay, Cocke, Coffee, Cumberland, Davidson (Tennessee), Decatur, Dekalb, Dickson, Dyer, Fayette, Fentress (Tennessee), Franklin, Giles, Greene, Grundy, Hamblen, Hamilton (Tennessee), Hancock, Hardeman, Hardin, Hawkins, Haywood, Henderson (Tennessee), Henry, Hickman, Houston, Humphreys, Jackson, Jefferson (Tennessee), Johnson, Lake, Lauderdale, Lawrence, Lewis, Lincoln (Tennessee), Macon, Marion, Marshall, Maury, Mcminn, Mcnairy (Tennessee), Meigs, Monroe, Montgomery, Moore, Obion, Overton (Tennessee), Perry, Pickett, Putnam, Rhea, Robertson, Rutherford (Tennessee), Scott, Sequatchie, Sevier, Shelby, Smith, Stewart (Tennessee), Sullivan, Sumner, Tipton, Trousdale, Van Buren, Warren (Tennessee), Wayne, Weakley, White, Williamson, Wilson.

Tennessee counties in the neutral phase (12): Anderson, Blount, Campbell, Carter, Grainger, Knox (Tennessee), Loudon, Morgan, Roane, Unicoi, Union, Washington.

Tennessee counties in the expansion phase (6): Bradley, Chester, Crockett, Gibson, Madison, Polk.

Tennessee permitted 41,563 housing units in twelve months; 319,393 Tennessee units sit vacant of 3,143,670.

Tennessee counties highest on the national opportunity index: Benton #41 (38.8/100, overheated); Decatur #61 (38.2/100, overheated); Perry #135 (36.6/100, strong_buy) in Tennessee; Hardeman #203 (35.8/100, overheated); Houston #290 (34.8/100, peak_opportunity); Sevier #328 (34.5/100, peak_opportunity) in Tennessee; Cocke #363 (34.2/100, peak_opportunity); Meigs #443 (33.7/100, peak_opportunity); Hancock #459 (33.6/100, peak_opportunity) in Tennessee; Humphreys #502 (33.4/100, overheated); Mcnairy #537 (33.2/100, overheated); Morgan #720 (32.3/100, watchlist) in Tennessee.

How the Tennessee county reports are scored: each Tennessee report reads its county's foreclosure filings, Tennessee tax-lien and tax-deed records, FHA mortgage delinquency in Tennessee (ninety-day rate 0.9%, December 2025), the FDIC stress of Tennessee lenders (109 chartered in Tennessee) and FEMA/NFIP pressure on Tennessee (781 NFIP claims, three years), then scores every Tennessee ZIP 0-100.

Benton County leads Tennessee on the opportunity index at #41 nationally with 7 scored ZIPs. Every Tennessee report is rebuilt monthly from public records; a Tennessee county whose data lapses keeps its Tennessee page and says so.

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