Tennessee Foreclosures, Tax Liens & Distressed Properties

Tennessee is scored county by county and ZIP by ZIP in DLRadar's deterministic distress index. Statewide, counties skew peak, prices up 2.6% on average. The phase distribution across counties: 77 peak, 12 neutral, 6 expansion. DLRadar scores 636 Tennessee ZIPs across 95 counties (mean composite 23/100).

Distress concentrates in Dyer County, Mcnairy County, Decatur County, Haywood County, Hardin County; open any for county- and ZIP-level detail.

Statewide ZIP distress tops out at 37066 (36/100), 37075 (36/100), 37048 (35/100), 37148 (35/100), 37013 (34/100).

Distress and market phase, county by county in Tennessee:

DLRadar reads Anderson County as neutral — prices up 3.8%, lender pressure 32/100. DLRadar reads Bedford County as peak — prices up 2.0%, bank stress 56/100. Benton County sits in peak, values rising 2.8%. Bledsoe County: peak, homes +2.8% YoY, bank stress 59/100. Blount County: neutral, homes +3.8% YoY, a 48/100 lender reading. Bradley County: expansion, prices up 5.3%, headwind 19/100. Campbell County is neutral (values rising 3.8%).

Cannon County is peak (up 1.3% on the year, bank stress 68/100). Carroll County is peak (homes +2.8% YoY, headwind 48/100). Carter County: neutral, homes +4.2% YoY. Cheatham County sits in peak, up 1.3% on the year, bank stress 45/100. Chester County — expansion, appreciation near 6.3%, a 70/100 lender reading. DLRadar reads Claiborne County as peak — prices up 2.8%, lender pressure 30/100. Clay County is in its peak phase, values rising 2.8%, lender pressure 70/100.

Cocke County: peak, values rising 2.0%, bank stress 61/100. Coffee County: peak, homes +2.0% YoY, headwind 39/100. Crockett County: expansion, homes +6.3% YoY, a 41/100 lender reading. DLRadar reads Cumberland County as peak — up 2.0% on the year, lender pressure 18/100. Davidson County: peak, prices up 1.3%, bank stress 44/100. Decatur County: peak, up 2.8% on the year, bank stress 89/100. Dekalb County is peak (prices up 2.8%, lender pressure 48/100).

Dickson County is in its peak phase, homes +1.3% YoY, lender pressure 60/100. In Dyer County, peak: up 2.0% on the year, bank stress 92/100. Fayette County: peak, homes +1.2% YoY, a 50/100 lender reading. In Fentress County, peak: appreciation near 2.8%, headwind 45/100. Franklin County reads peak — values rising 2.0%, lender pressure 32/100. Gibson County reads expansion — prices up 6.3%, a 52/100 lender reading. Giles County sits in peak, homes +2.8% YoY, bank stress 76/100.

Grainger County sits in neutral, homes +3.8% YoY, lender pressure 54/100. Greene County: peak, values rising 2.0%. Grundy County sits in peak, values rising 2.8%, bank stress 36/100. Hamblen County is peak (little price movement, down 1.1% from its high, bank stress 38/100). DLRadar reads Hamilton County as peak — prices up 1.1%, bank stress 47/100. Hancock County is in its peak phase, values rising 2.8%, a 82/100 lender reading. Hardeman County reads peak — values rising 2.8%, a 73/100 lender reading.

DLRadar reads Hardin County as peak — prices up 2.8%, a 86/100 lender reading. Hawkins County is in its peak phase, appreciation near 1.8%. Haywood County — peak, values rising 2.8%, a 87/100 lender reading. DLRadar reads Henderson County as peak — prices up 2.8%, bank stress 78/100. Henry County is in its peak phase, homes +2.0% YoY, lender pressure 37/100. In Hickman County, peak: homes +1.3% YoY, a 22/100 lender reading. In Houston County, peak: prices up 2.8%, a 57/100 lender reading.

In Humphreys County, peak: prices up 2.8%. Jackson County — peak, values rising 2.0%, headwind 38/100. Jefferson County: peak, values about even, down 1.1% from its high, lender pressure 49/100. Johnson County is peak (appreciation near 2.8%, headwind 51/100). Knox County is in its neutral phase, appreciation near 3.8%, bank stress 41/100. Lake County reads peak — values rising 2.8%, a 38/100 lender reading. DLRadar reads Lauderdale County as peak — prices up 2.8%, bank stress 63/100.

In Lawrence County, peak: homes +2.0% YoY, bank stress 40/100.

Tennessee opportunity phases: 37 early_signal, 34 weak, 13 watchlist, 5 overheated, 5 peak_opportunity, 1 strong_buy; Tennessee average index 29.1. Best-ranked Tennessee counties: Benton #44 (38.8), vacancy; Decatur #62 (38.2), vacancy; Perry #136 (36.6), vacancy in Tennessee; Hardeman #208 (35.8), vacancy; Houston #293 (34.8), vacancy; Sevier #334 (34.5), vacancy.

Tennessee mortgages ninety-plus days late: 0.9%; Tennessee thirty-to-eighty-nine days late 2.3% (December 2025); 12 Tennessee counties sit in the CFPB sample; highest Tennessee county readings: Sullivan 1.4%, Montgomery 1.2%, Shelby 1.1%, Sumner 0.9%, Rutherford 0.8%.

Tennessee county unemployment averages 3.9% across 95 counties; Tennessee permitted 41,563 housing units in twelve months (10,092 multifamily); 319,393 of 3,143,670 Tennessee housing units are vacant; 912,950 Tennessee renter households, 35.8% spending 30%+ of income on rent.

Tennessee ZIP price-cycle phases: 2,867 peak, 398 expansion, 313 contraction, 290 recovery, 221 neutral.