ZIP
37185
TN · County 47085 · pop 9,120 (population)
39.2
Opportunity Index
OVERHEATEDNational rank #2900
Why This ZIP
ZIP 37185 ranks #2900 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 39.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 37185 — 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 47085 — ZIP 37185 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47085 — ZIP 37185 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47085 — ZIP 37185 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
| Foreclosure / Delinquency | 42.0 |
| Listings Discount | 34.0 |
| Property Stress | 30.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 52.1 |
| Construction Pressure | 47.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2900
PhaseOVERHEATED
Primary driverVACANCY
Capital opp39.2
Pulse score39.2
Signal Breakdown — 10 Categories
Vacancy
25.3
Auction / REO
—
Construction Pressure
47.6
FL Deep Bonus
—
Property Stress
30.0
HOA / Federal Liens
—
Listings Discount
34.0
Bank Institutional
52.1
Insurance Distress
0.0
Foreclosure / Delinquency
42.0
Top-Line Metrics
Avg DOM (days)
78.5
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
25.3%
Bank Score
52.1
Insurance Score
0.0
Listings Discount
34.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 37185 | 39.2 | 32.8 | 0.0 | 34.0 |
| County 47085 | 39.3 | 32.4 | 0.0 | 25.2 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (3)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37134 | 45.3 | STRONG_BUY | VACANCY | 57 | 30 |
| 37101 | 36.7 | OVERHEATED | VACANCY | — | 29 |
| 37078 | 36.3 | EARLY_SIGNAL | VACANCY | — | 30 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/37185
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.