ZIP
37128
TN · County 47149 · pop 77,016 (population)
31.9
Opportunity Index
EARLY_SIGNALNational rank #17488
Why This ZIP
ZIP 37128 ranks #17488 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 37128 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 47149 — ZIP 37128 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47149 — ZIP 37128 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47149 — ZIP 37128 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Listings Discount | 34.9 |
| Property Stress | 16.0 |
| Foreclosure / Delinquency | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.1 |
| Construction Pressure | 41.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#17488
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp36.5
Pulse score28.8
Signal Breakdown — 10 Categories
Vacancy
5.4
Auction / REO
—
Construction Pressure
41.2
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
34.9
Bank Institutional
55.1
Insurance Distress
0.0
Foreclosure / Delinquency
15.0
Top-Line Metrics
Avg DOM (days)
74.8
Price Cut %
4.1%
Short-Sale Listings
16
Auction Events 90d
—
Vacancy %
5.4%
Bank Score
55.1
Insurance Score
0.0
Listings Discount
34.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 37128 | 28.8 | 15.3 | 0.0 | 34.9 |
| County 47149 | 28.3 | 15.3 | 0.0 | 29.1 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37122 | 34.7 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 17 |
| 37037 | 32.8 | EARLY_SIGNAL | VACANCY | 40 | 16 |
| 37127 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 16 |
| 37135 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 18 |
| 37129 | 32.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 16 |
| 37149 | 31.4 | EARLY_SIGNAL | VACANCY | 32 | 19 |
| 37090 | 30.5 | WEAK | BANK_INSTITUTIONAL | 18 | 17 |
| 37086 | 30.3 | WEAK | BANK_INSTITUTIONAL | 27 | 16 |
| 37153 | 30.2 | WEAK | LISTINGS_DISCOUNT | 35 | 15 |
| 37060 | 30.1 | WEAK | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/37128
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.