Sumner County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sumner County, TN distress report, 2026: 10 ZIPs scored in Sumner, TN, Sumner, TN average 32/100; the top Sumner, TN ZIP is 37048 at 35/100; Sumner, TN market phase peak, Sumner, TN prices +1.3% year over year.
- Sumner, TN ranks #1,492 nationally (opportunity index); Sumner, TN #40 in Tennessee; Sumner, TN index 29.5.
- Sumner, TN ninety-day mortgage delinquency 0.9% in December 2025; Sumner, TN twelve-month change +0.2%.
- Sumner, TN ZIP phases: 10 peak.
- Sumner, TN residential listings tracked: 120 across 7 ZIPs; Sumner, TN candidate listings 13.
- Sumner, TN HUD assisted properties: 10 with 1,062 units.
- Sumner, TN lenders on watch: 8; largest Sumner, TN footprint Lawrence Bank (7 branches).
- Sumner, TN most distressed ZIP: 37048 at 35/100.
Sumner, TN figures: DLRadar distress index; Sumner, TN inputs: CFPB, FHFA, HUD, FDIC; Sumner, TN rebuilt as sources refresh.
| Rank | Sumner, TN ZIP | Score |
|---|---|---|
| 1 | 37048 | 35/100 |
| 2 | 37066 | 35/100 |
| 3 | 37075 | 35/100 |
| 4 | 37148 | 34/100 |
| 5 | 37072 | 33/100 |
| 6 | 37022 | 32/100 |
| 7 | 37031 | 31/100 |
| 8 | 37188 | 29/100 |
| 9 | 37186 | 28/100 |
| 10 | 37049 | 25/100 |
Most distressed Sumner, TN ZIPs (0-100, 2026)
Mortgage delinquency in Sumner, TN
0.9% of Sumner, TN mortgages were ninety-plus days late (Sumner, TN, December 2025); Sumner, TN thirty-to-eighty-nine days late: 2.1%; Sumner, TN twelve-month change +0.2%; Sumner, TN peak since 2008: 4.7% (February 2010); Tennessee overall 0.9%. Sumner, TN ninety-day series: Dec 24 0.7, Jan 25 0.4, Feb 25 0.4 (Sumner, TN), Mar 25 0.3, Apr 25 0.3, May 25 0.4 (Sumner, TN), Jun 25 0.5, Jul 25 0.6, Aug 25 0.6 (Sumner, TN), Sep 25 0.8, Oct 25 1.0, Nov 25 0.8 (Sumner, TN), Dec 25 0.9.
Opportunity index: Sumner, TN
Sumner, TN index 29.5, Sumner, TN phase early_signal; Sumner, TN primary driver construction, Sumner, TN second driver bank institutional. Sumner, TN components: property stress 16.9, foreclosure pressure 16.2, listing discounts 29.0, bank stress 53.0, insurance 0.0; Sumner, TN pulse 32.9; Sumner, TN capital opportunity 24.5; Sumner, TN seven-day change -0.2%.
ZIP market phases inside Sumner, TN
10 Sumner, TN ZIPs carry a price-cycle phase; Sumner, TN ZIPs by phase (Sumner, TN), deepest drawdown first: peak, +1.3% YoY, 0.2% off peak (Sumner, TN): 37048, 37022, 37031, 37049, Sumner, TN 37066, 37072, 37075, 37148, Sumner, TN 37186, 37188.
Residential listings by Sumner, TN ZIP
Sumner, TN ZIPs with the most tracked Sumner, TN residential listings: 37075 100 listings, 10 candidates, bank pressure 59; 37066 12 listings, 1 candidates, bank pressure 59; 37186 3 listings, 1 candidates, bank pressure 60; 37022 2 listings, 1 candidates, bank pressure 60 (Sumner, TN); 37148 2 listings, 0 candidates, bank pressure 59; 37048 1 listings, 0 candidates, bank pressure 59; 37031 0 listings, 0 candidates, bank pressure 60. Sumner, TN totals: 120 listings; Sumner, TN candidates 13; active ZIPs 6.
HUD assisted housing in Sumner, TN
10 assisted properties with 1,062 units sit in Sumner, TN; largest Sumner, TN properties: Foxland Crossing (Gallatin) 232 units; Vintage Foxland Harbor (Gallatin) 206 units; The Residences Of Gallatin (Gallatin) 188 units in Sumner, TN; Tiffany Terrace (Hendersonville) 90 units; Christian Manor Apartments (Hendersonville) 80 units, 79 assisted; Christian Manor Ii (Hendersonville) 57 units, 56 assisted.
Lenders with branches in Sumner, TN
Sumner, TN lenders by branch count: Lawrence Bank (Sumner, TN): stress 64, 7 branches low in Sumner, TN; First Horizon Bank (Sumner, TN): stress 58, 4 branches low in Sumner, TN; Farmers Bank (Sumner, TN): stress 44, 4 branches low in Sumner, TN; Wilson Bank&Trust (Sumner, TN): stress 61, 3 branches low in Sumner, TN; Macon Bank&Trust Co (Sumner, TN): stress 77, 2 branches low in Sumner, TN; Pinnacle Bank (Sumner, TN): stress 64, 2 branches low in Sumner, TN; Banktennessee (Sumner, TN): stress 70, 1 branch low in Sumner, TN; Wellworth Bank (Sumner, TN): stress 65, 1 branch low in Sumner, TN.
Vacancy and permits, Sumner, TN
4,654 of 83,236 Sumner, TN housing units are vacant; Sumner, TN permits, twelve months: 9 multifamily units in Sumner, TN, 1,398 one-to-four unit units.
Work Sumner, TN at the parcel level
Every Sumner, TN parcel carries owner and address; every Sumner, TN parcel carries APN; Sumner, TN distress scores sit on the Sumner, TN live board.
Sumner, TN figures refresh with each source.
Sumner, TN questions
Most distressed ZIP code in Sumner County, TN?
ZIP 37048 leads Sumner, TN at 35/100; next in Sumner, TN: 37066 at 35/100; the Sumner, TN average is 32/100.
Where does Sumner County, TN rank for investment opportunity?
Sumner, TN is #1,492 among all ranked counties, #40 in Tennessee; the Sumner, TN driver is construction; Sumner, TN moved up 104 places.
How many mortgages are delinquent in Sumner County, TN?
0.9% of Sumner, TN mortgages were ninety-plus days late in December 2025; the Sumner, TN peak since 2008 was 4.7%.
Which banks lend in Sumner County, TN?
8 watched lenders hold Sumner, TN branches; the largest Sumner, TN footprints are Lawrence Bank (7), First Horizon Bank (4), Farmers Bank (4).
More on Sumner, TN
Sumner County, TN distress report: public-record figures for Sumner, TN; not legal advice for Sumner, TN; not tax or investment advice; verify every Sumner, TN record before acting.