White County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
White County, TN distress report, 2026: 5 ZIPs scored in White, TN, White, TN average 15/100; the top White, TN ZIP is 38506 at 21/100; White, TN market phase peak, White, TN prices +2.0% year over year.
- White, TN ranks #2,543 nationally (opportunity index); White, TN #83 in Tennessee; White, TN index 25.7.
- White, TN: no CFPB county sample; White, TN non-metro area reading 1.3%.
- White, TN ZIP phases: 5 peak.
- White, TN residential listings tracked: 12 across 3 ZIPs; White, TN candidate listings 1.
- White, TN HUD assisted properties: 4 with 107 units.
- White, TN lenders on watch: 4; largest White, TN footprint Citizens Bank (2 branches).
- White, TN most distressed ZIP: 38506 at 21/100.
White, TN figures: DLRadar distress index; White, TN inputs: CFPB, FHFA, HUD, FDIC; White, TN rebuilt as sources refresh.
| Rank | White, TN ZIP | Score |
|---|---|---|
| 1 | 38506 | 21/100 |
| 2 | 38583 | 15/100 |
| 3 | 38579 | 14/100 |
| 4 | 38587 | 14/100 |
| 5 | 38559 | 11/100 |
Most distressed White, TN ZIPs (0-100, 2026)
Mortgage delinquency around White, TN
No CFPB county sample covers White, TN; the non-metro area reading for White, TN: 1.3% ninety-plus; White, TN area thirty-to-eighty-nine 3.3% (December 2025, White, TN); Tennessee overall 0.9%.
Opportunity index: White, TN
White, TN index 25.7, White, TN phase weak; White, TN primary driver bank institutional, White, TN second driver vacancy. White, TN components: property stress 14.1, foreclosure pressure 14.3, listing discounts 25.4, bank stress 47.5, insurance 0.0; White, TN pulse 27.2; White, TN capital opportunity 23.5; White, TN seven-day change +0.1%.
ZIP market phases inside White, TN
5 White, TN ZIPs carry a price-cycle phase; White, TN ZIPs by phase (White, TN), deepest drawdown first: peak, +2.0% YoY (White, TN): 38506, 38579, 38587; peak, +2.6% YoY (White, TN): 38559; peak, +2.1% YoY (White, TN): 38583.
Residential listings by White, TN ZIP
White, TN ZIPs with the most tracked White, TN residential listings: 38583 12 listings, 1 candidates, bank pressure 53; 38579 0 listings, 0 candidates, bank pressure 52; 38587 0 listings, 0 candidates, bank pressure 52. White, TN totals: 12 listings; White, TN candidates 1; active ZIPs 1.
HUD assisted housing in White, TN
4 assisted properties with 107 units sit in White, TN; largest White, TN properties: Knollcrest Manor (Sparta) 50 units, 48 assisted; Oak Hills Apartments (Sparta) 24 units, 23 assisted; Oak Hills Annex (Sparta) 19 units, 19 assisted in White, TN; Pleasant Hill Apartments (Sparta) 14 units, 14 assisted.
Lenders with branches in White, TN
White, TN lenders by branch count: Citizens Bank (White, TN): stress 37, 2 branches low in White, TN; First Horizon Bank (White, TN): stress 58, 1 branch low in White, TN; One Bank Of Tennessee (White, TN): stress 52, 1 branch low in White, TN; First Nb Of Tennessee (White, TN): stress 43, 1 branch low in White, TN.
Vacancy and permits, White, TN
1,109 of 12,335 White, TN housing units are vacant; White, TN permits, twelve months: 0 multifamily units in White, TN, 187 one-to-four unit units.
Work White, TN at the parcel level
Every White, TN parcel carries owner and address; every White, TN parcel carries APN; White, TN distress scores sit on the White, TN live board.
White, TN figures refresh with each source.
White, TN questions
Most distressed ZIP code in White County, TN?
ZIP 38506 leads White, TN at 21/100; next in White, TN: 38583 at 15/100; the White, TN average is 15/100.
Where does White County, TN rank for investment opportunity?
White, TN is #2,543 among all ranked counties, #83 in Tennessee; the White, TN driver is bank institutional; White, TN moved up 235 places.
How many mortgages are delinquent in White County, TN?
White, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers White, TN.
Which banks lend in White County, TN?
4 watched lenders hold White, TN branches; the largest White, TN footprints are Citizens Bank (2), First Horizon Bank (1), One Bank Of Tennessee (1).
More on White, TN
White County, TN distress report: public-record figures for White, TN; not legal advice for White, TN; not tax or investment advice; verify every White, TN record before acting.