White County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in White County, Tennessee? DLRadar grades every White County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 White County breakdown.
- White County's most distressed ZIP is 38506 at 17/100.
- 5 ZIP codes tracked in White County, averaging 14/100 distress.
- White County reads peak — home values up 2.0% year over year.
- Vacancy runs 8.8% across White County's tracked ZIPs, with a 17.7% poverty rate.
- The typical White County home is worth about $226,560 against a ~$59,723 median income.
- Lending headwind in White County sits at 13/100 — 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 | 38506 | 17/100 |
| 2 | 38579 | 14/100 |
| 3 | 38583 | 14/100 |
| 4 | 38587 | 14/100 |
| 5 | 38559 | 11/100 |
Most distressed ZIP codes in White County (composite distress 0-100, 2026)
What is driving White County distress
DLRadar builds White County's distress picture only from records anyone can pull; its ZIPs average 14/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
White County market phase and pricing
White County currently sits in peak after a 2.0% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in White County
Everything summarised here for White County is free. Start a trial to see the scored parcels, owners and filings underneath — nothing charged today.
No card charged today · explore every module with live data.
Common questions
Which White County ZIP scores worst for distress?
ZIP 38506 leads White County at 17/100, recomputed monthly from public records.
What market phase is White County in?
FHFA price-index movement places White County in peak; prices are up 2.0% over twelve months.
Where does the White County data come from?
White County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 5 ZIPs are comparable to anywhere else.
How much do distress scores vary between White County ZIP codes?
Averaging the county conceals how uneven it is. Across the White County ZIPs DLRadar ranks, scores run from 17/100 in 38506 down to 11/100 in 38559, against a White County average of 14/100. A spread of 6 points means White County has to be worked ZIP by ZIP.
What do White County home values and vacancy say about distressed supply?
The typical White County home carries about $226,560 of value against a median household income near $59,723. Vacancy across White County's tracked ZIPs runs 8.8% and the poverty rate is 17.7%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with White County's filings and its 13/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.