Wayne County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Wayne County, TN distress report, 2026: 10 ZIPs scored in Wayne, TN, Wayne, TN average 15/100; the top Wayne, TN ZIP is 38464 at 21/100; Wayne, TN market phase peak, Wayne, TN prices +2.8% year over year.
- Wayne, TN ranks #1,610 nationally (opportunity index); Wayne, TN #45 in Tennessee; Wayne, TN index 29.0.
- Wayne, TN: no CFPB county sample; Wayne, TN non-metro area reading 1.3%.
- Wayne, TN ZIP phases: 10 peak.
- Wayne, TN residential listings tracked: 9 across 6 ZIPs; Wayne, TN candidate listings 5.
- Wayne, TN HUD assisted properties: 3 with 42 units.
- Wayne, TN lenders on watch: 2; largest Wayne, TN footprint Wayne County Bank (5 branches).
- Wayne, TN most distressed ZIP: 38464 at 21/100.
Wayne, TN figures: DLRadar distress index; Wayne, TN inputs: CFPB, FHFA, HUD, FDIC; Wayne, TN rebuilt as sources refresh.
| Rank | Wayne, TN ZIP | Score |
|---|---|---|
| 1 | 38464 | 21/100 |
| 2 | 38486 | 21/100 |
| 3 | 38463 | 18/100 |
| 4 | 38475 | 18/100 |
| 5 | 37096 | 15/100 |
| 6 | 38425 | 14/100 |
| 7 | 38450 | 11/100 |
| 8 | 38452 | 11/100 |
| 9 | 38471 | 11/100 |
| 10 | 38485 | 11/100 |
Most distressed Wayne, TN ZIPs (0-100, 2026)
Mortgage delinquency around Wayne, TN
No CFPB county sample covers Wayne, TN; the non-metro area reading for Wayne, TN: 1.3% ninety-plus; Wayne, TN area thirty-to-eighty-nine 3.3% (December 2025, Wayne, TN); Tennessee overall 0.9%.
Opportunity index: Wayne, TN
Wayne, TN index 29.0, Wayne, TN phase early_signal; Wayne, TN primary driver vacancy, Wayne, TN second driver bank institutional. Wayne, TN components: property stress 21.5, foreclosure pressure 22.3, listing discounts 25.3, bank stress 49.3, insurance 0.0; Wayne, TN pulse 32.0; Wayne, TN capital opportunity 24.6; Wayne, TN seven-day change -0.6%.
ZIP market phases inside Wayne, TN
10 Wayne, TN ZIPs carry a price-cycle phase; Wayne, TN ZIPs by phase (Wayne, TN), deepest drawdown first: peak, +2.8% YoY (Wayne, TN): 37096, 38425, 38450, 38452, Wayne, TN 38471, 38475, 38485; peak, +2.7% YoY (Wayne, TN): 38463; peak, +2.2% YoY (Wayne, TN): 38464, 38486.
Residential listings by Wayne, TN ZIP
Wayne, TN ZIPs with the most tracked Wayne, TN residential listings: 38425 5 listings, 4 candidates, bank pressure 66; 38485 4 listings, 1 candidates, bank pressure 57; 38450 0 listings, 0 candidates, bank pressure 52; 38452 0 listings, 0 candidates, bank pressure 52 (Wayne, TN); 38463 0 listings, 0 candidates, bank pressure 56; 38471 0 listings, 0 candidates, bank pressure 52. Wayne, TN totals: 9 listings; Wayne, TN candidates 5; active ZIPs 0.
HUD assisted housing in Wayne, TN
3 assisted properties with 42 units sit in Wayne, TN; largest Wayne, TN properties: Grandview Apartments (Waynesboro) 20 units, 19 assisted; Spring Valley Apartments (Waynesboro) 15 units, 14 assisted; Wayne County Skills (Waynesboro) 7 units in Wayne, TN.
Lenders with branches in Wayne, TN
Wayne, TN lenders by branch count: Wayne County Bank (Wayne, TN): stress 43, 5 branches low in Wayne, TN; Peoples Bank (Wayne, TN): stress 54, 3 branches low in Wayne, TN.
Vacancy and permits, Wayne, TN
1,229 of 7,211 Wayne, TN housing units are vacant; Wayne, TN permits, twelve months: 0 multifamily units in Wayne, TN, 1 one-to-four unit units.
Work Wayne, TN at the parcel level
Every Wayne, TN parcel carries owner and address; every Wayne, TN parcel carries APN; Wayne, TN distress scores sit on the Wayne, TN live board.
Wayne, TN figures refresh with each source.
Wayne, TN questions
Most distressed ZIP code in Wayne County, TN?
ZIP 38464 leads Wayne, TN at 21/100; next in Wayne, TN: 38486 at 21/100; the Wayne, TN average is 15/100.
Where does Wayne County, TN rank for investment opportunity?
Wayne, TN is #1,610 among all ranked counties, #45 in Tennessee; the Wayne, TN driver is vacancy; Wayne, TN moved up 107 places.
How many mortgages are delinquent in Wayne County, TN?
Wayne, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Wayne, TN.
Which banks lend in Wayne County, TN?
2 watched lenders hold Wayne, TN branches; the largest Wayne, TN footprints are Wayne County Bank (5), Peoples Bank (3).
More on Wayne, TN
Wayne County, TN distress report: public-record figures for Wayne, TN; not legal advice for Wayne, TN; not tax or investment advice; verify every Wayne, TN record before acting.