Carter County, TN: Foreclosures, Tax Liens & Distressed Properties

Carter County, TN, Tennessee: 8 ZIP codes scored, Carter County, TN averaging 30/100 (moderate, Carter, TN), from 25 to 33. Carter County, TN is in its neutral phase (Carter, TN confidence 31/100): Carter, TN home prices up 4.2% (Carter, TN) over twelve months. Carter County, TN lender headwind: 7/100.

Highest-scoring Carter County, TN ZIPs: 37604 (33/100), 37601 (32/100), 37694 (30/100), 37643 (29/100), 37658 (29/100), 37682 (29/100). Also scored in Carter County, TN: 37687, 37640.

Across Carter County, TN's scored ZIPs: median home value $184,486, household income $49,348, 14.2% vacancy, 16.9% poverty, 78% owner-occupied, median age 42.4.

Carter County, TN insurance distress 88/100 (#146 in the US); FEMA hazard 84/100 for Carter, TN; 10 federal disaster declarations in Carter County, TN since 2023; 85 Carter, TN NFIP flood claims, $3.8M paid; Carter, TN construction distress 55/100.

6 banks with 13 branches lend in Carter County, TN; Carter, TN weighted bank stress 45/100, highest 59/100 in Carter, TN.

Carter County, TN unemployment 3.9% (Carter, TN -0.1 pts, six months); 176 new housing units permitted in Carter County, TN over twelve months, Carter, TN down 2% from 180; Carter, TN home prices +13.4% a year (Carter, TN) over three years.

28,118 housing units in Carter County, TN; 6,272 Carter, TN renter households; 31% of Carter, TN renters spend 30%+ of income on rent, 15% (Carter, TN) half or more.

Carter County, TN ranks #1,280 nationally on the opportunity index (Carter, TN, among all ranked counties); Carter, TN scores 30.2/100 and Carter, TN sits #29 inside Tennessee. Carter, TN is in the watchlist opportunity phase; Carter, TN's primary driver is construction, Carter, TN second driver vacancy; Carter, TN moved up 372 places. 1 short-sale listings across Carter, TN; 110 days on market observed in Carter, TN; 11.9% vacancy over 8 Carter, TN ZIPs.

No CFPB county sample covers Carter County, TN. The metro area reading for Carter, TN (Johnson City, TN): 0.7% ninety-plus days late; Carter, TN's thirty-to-eighty-nine share is 2.7% (Carter, TN, December 2025 data); Tennessee overall 0.9%.

Carter County, TN has 3 watched banks; 3 Carter, TN banks sit in an elevated band. Carter, TN footprints: Bank Of Tennessee (5 branches, stress 59) in Carter, TN; Citizens Bank (3 branches, stress 42) in Carter, TN; Elizabethton Fsb (2 branches, stress 28) in Carter, TN.

HUD lists 2 assisted multifamily properties in Carter County, TN with 147 units; 146 Carter, TN units are assisted, 1 Carter, TN properties under project-based Section 8.

3,693 of the 28,118 housing units in Carter, TN sit vacant. Carter County, TN permitted 6 multifamily units in twelve months; Carter, TN's one-to-four unit structures added 170 units in Carter County, TN.