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

Hardeman County, TN, Tennessee: 12 ZIP codes scored, Hardeman County, TN averaging 21/100 (low, Hardeman, TN), from 16 to 28. Hardeman County, TN is in its peak phase (Hardeman, TN confidence 27/100): Hardeman, TN home prices up 2.8% (Hardeman, TN) over twelve months. Hardeman County, TN lender headwind: 73/100.

Highest-scoring Hardeman County, TN ZIPs: 38392 (28/100), 38356 (26/100), 38061 (24/100), 38008 (22/100), 38044 (22/100), 38052 (22/100). Also scored in Hardeman County, TN: 38067, 38381, 38042, 38075, 38039, 38340.

Across Hardeman County, TN's scored ZIPs: median home value $139,925, household income $52,735, 18.2% vacancy, 15.6% poverty, 76% owner-occupied, median age 43.6.

Hardeman County, TN insurance distress 27/100 (#1,798 in the US); FEMA hazard 52/100 for Hardeman, TN; 8 federal disaster declarations in Hardeman County, TN since 2023; Hardeman, TN construction distress 49/100.

5 banks with 11 branches lend in Hardeman County, TN; Hardeman, TN weighted bank stress 70/100, highest 87/100 in Hardeman, TN.

Hardeman County, TN unemployment 5.1% (Hardeman, TN -0.8 pts, six months); 35 new housing units permitted in Hardeman County, TN over twelve months, Hardeman, TN down 10% from 39; Hardeman, TN home prices +11.8% a year (Hardeman, TN) over three years.

10,750 housing units in Hardeman County, TN; 2,610 Hardeman, TN renter households; 44% of Hardeman, TN renters spend 30%+ of income on rent, 21% (Hardeman, TN) half or more.

Hardeman County, TN ranks #175 nationally on the opportunity index (Hardeman, TN, among all ranked counties); Hardeman, TN scores 36.1/100 and Hardeman, TN sits #4 inside Tennessee. Hardeman, TN is in the overheated opportunity phase; Hardeman, TN's primary driver is vacancy, Hardeman, TN second driver bank institutional; Hardeman, TN moved down 94 places. 2 short-sale listings across Hardeman, TN; 62 days on market observed in Hardeman, TN; 14.3% vacancy over 12 Hardeman, TN ZIPs.

No CFPB county sample covers Hardeman County, TN. The non-metro area reading for Hardeman, TN: 1.3% ninety-plus days late; Hardeman, TN's thirty-to-eighty-nine share is 3.3% (Hardeman, TN, December 2025 data); Tennessee overall 0.9%.

Hardeman County, TN has 2 watched banks; 2 Hardeman, TN banks sit in an elevated band. Hardeman, TN footprints: Centennial Bank (4 branches, stress 70) in Hardeman, TN; Bank Of Fayette County (2 branches, stress 74) in Hardeman, TN.

HUD lists 2 assisted multifamily properties in Hardeman County, TN with 49 units; 47 Hardeman, TN units are assisted, 2 Hardeman, TN properties under project-based Section 8.

1,640 of the 10,750 housing units in Hardeman, TN sit vacant. Hardeman County, TN permitted 0 multifamily units in twelve months; Hardeman, TN's one-to-four unit structures added 35 units in Hardeman County, TN.