Wayne County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Wayne County, Tennessee? DLRadar grades every Wayne County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Wayne County breakdown.
- Wayne County's most distressed ZIP is 38464 at 21/100.
- 10 ZIP codes tracked in Wayne County, averaging 15/100 distress.
- Wayne County reads peak — home values up 2.8% year over year.
- Vacancy runs 27.6% across Wayne County's tracked ZIPs, with a 20% poverty rate.
- The typical Wayne County home is worth about $143,500 against a ~$50,329 median income.
- Lending headwind in Wayne County sits at 14/100 — 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 | 38464 | 21/100 |
| 2 | 38486 | 21/100 |
| 3 | 38475 | 19/100 |
| 4 | 38463 | 18/100 |
| 5 | 37096 | 16/100 |
| 6 | 38425 | 15/100 |
| 7 | 38450 | 11/100 |
| 8 | 38452 | 11/100 |
| 9 | 38471 | 11/100 |
| 10 | 38485 | 11/100 |
Most distressed ZIP codes in Wayne County (composite distress 0-100, 2026)
What is driving Wayne County distress
Nothing here is estimated: Wayne County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Wayne County market phase and pricing
Wayne County reads peak — home prices rose 2.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Wayne County
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What people ask
Which ZIP code leads Wayne County on distress?
ZIP 38464 leads Wayne County at 21/100, recomputed monthly from public records.
Where is Wayne County in the housing cycle?
Wayne County reads peak, with home prices up 2.8% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Wayne County analysis built from?
Every Wayne County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Wayne County ZIP codes that it runs on every other U.S. county, so Wayne County's numbers are directly comparable to any other market.
How much do distress scores vary between Wayne County ZIP codes?
A county average hides the spread. Across the Wayne County ZIPs DLRadar ranks, scores run from 21/100 in 38464 down to 11/100 in 38485, against a Wayne County average of 15/100. A spread of 10 points means Wayne County has to be worked ZIP by ZIP.
What do Wayne County home values and vacancy say about distressed supply?
The typical Wayne County home carries about $143,500 of value against a median household income near $50,329. Vacancy across Wayne County's tracked ZIPs runs 27.6% and the poverty rate is 20%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Wayne County's foreclosure and tax-lien record and its 14/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.