Union County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, Tennessee? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 37938 at 28/100.
- 11 ZIP codes tracked in Union County, averaging 20/100 distress.
- Union County reads neutral — home values up 3.8% year over year.
- Vacancy runs 20.7% across Union County's tracked ZIPs, with a 12% poverty rate.
- The typical Union County home is worth about $208,382 against a ~$66,321 median income.
- Lending headwind in Union County sits at 36/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37938 | 28/100 |
| 2 | 37721 | 27/100 |
| 3 | 37754 | 25/100 |
| 4 | 37705 | 22/100 |
| 5 | 37825 | 18/100 |
| 6 | 37870 | 18/100 |
| 7 | 37807 | 17/100 |
| 8 | 37866 | 17/100 |
| 9 | 37779 | 16/100 |
| 10 | 37848 | 15/100 |
| 11 | 37888 | 15/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
DLRadar builds Union County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Union County market phase and pricing
DLRadar places Union County in neutral; prices moved up 3.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Union County
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Questions and answers
Where is distress highest inside Union County, TN?
ZIP 37938 leads Union County at 28/100, recomputed monthly from public records.
Which phase does Union County sit in right now?
Union County reads neutral, with home prices up 3.8% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Union County numbers?
The inputs are all public: FHFA for the neutral path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 11 ZIP codes in Union County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Union County ZIP codes?
A single county score papers over real variation. Across the Union County ZIPs DLRadar ranks, scores run from 28/100 in 37938 down to 15/100 in 37888, against a Union County average of 20/100. With 13 points between best and worst, county-level targeting in Union County wastes effort.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $208,382 of value against a median household income near $66,321. Vacancy across Union County's tracked ZIPs runs 20.7% and the poverty rate is 12%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Union County's foreclosure and lien filings and its 36/100 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.