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

Putnam County, TN, Tennessee: 11 ZIP codes scored, Putnam County, TN averaging 21/100 (low, Putnam, TN), from 15 to 24. Putnam County, TN is in its peak phase (Putnam, TN confidence 19/100): Putnam, TN home prices up 2.0% (Putnam, TN) over twelve months. Putnam County, TN lender headwind: 30/100.

Highest-scoring Putnam County, TN ZIPs: 38503 (24/100), 38505 (24/100), 38544 (23/100), 38501 (22/100), 38548 (22/100), 38506 (21/100). Also scored in Putnam County, TN: 38545, 38574, 38582, 38564, 38583.

Across Putnam County, TN's scored ZIPs: median home value $242,411, household income $57,088, 13.8% vacancy, 13.7% poverty, 79% owner-occupied, median age 40.1.

Putnam County, TN insurance distress 53/100 (#1,037 in the US); FEMA hazard 40/100 for Putnam, TN; 6 federal disaster declarations in Putnam County, TN since 2023; 2 Putnam, TN NFIP flood claims, $76K paid; Putnam, TN construction distress 47/100.

15 banks with 31 branches lend in Putnam County, TN; Putnam, TN weighted bank stress 54/100, highest 81/100 in Putnam, TN.

Putnam County, TN unemployment 3.7%; 730 new housing units permitted in Putnam County, TN over twelve months, Putnam, TN up 3% from 710; Putnam, TN home prices +11.1% a year (Putnam, TN) over three years.

36,506 housing units in Putnam County, TN; 12,999 Putnam, TN renter households; 45% of Putnam, TN renters spend 30%+ of income on rent, 24% (Putnam, TN) half or more.

Putnam County, TN ranks #2,503 nationally on the opportunity index (Putnam, TN, among all ranked counties); Putnam, TN scores 25.9/100 and Putnam, TN sits #81 inside Tennessee. Putnam, TN is in the weak opportunity phase; Putnam, TN's primary driver is bank institutional, Putnam, TN second driver construction; Putnam, TN moved up 41 places. 4 short-sale listings across Putnam, TN; 97 days on market observed in Putnam, TN; 8.6% vacancy over 11 Putnam, TN ZIPs.

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

Putnam County, TN has 12 watched banks; 12 Putnam, TN banks sit in an elevated band. Putnam, TN footprints: One Bank Of Tennessee (6 branches, stress 52) in Putnam, TN; Putnam 1st Mercantile Bank (3 branches, stress 54) in Putnam, TN; Southeast Bank (2 branches, stress 81) in Putnam, TN.

HUD lists 5 assisted multifamily properties in Putnam County, TN with 191 units; 190 Putnam, TN units are assisted, 3 Putnam, TN properties under project-based Section 8.

2,905 of the 36,506 housing units in Putnam, TN sit vacant. Putnam County, TN permitted 214 multifamily units in twelve months; Putnam, TN's one-to-four unit structures added 516 units in Putnam County, TN.