ZIP
37854
TN · County 47145 · pop 12,403 (population)
31.5
Opportunity Index
EARLY_SIGNALNational rank #18563
Why This ZIP
ZIP 37854 ranks #18563 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 30.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 37854 — 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 47145 — ZIP 37854 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47145 — ZIP 37854 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47145 — ZIP 37854 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 | 26.0 |
| Listings Discount | 20.2 |
| Property Stress | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 56.4 |
| Construction Pressure | 41.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#18563
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp30.6
Pulse score32.1
Signal Breakdown — 10 Categories
Vacancy
16.5
Auction / REO
—
Construction Pressure
41.5
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
20.2
Bank Institutional
56.4
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
16.5%
Bank Score
56.4
Insurance Score
0.0
Listings Discount
20.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 37854 | 32.1 | 20.7 | 0.0 | 20.2 |
| County 47145 | 32.4 | 20.0 | 0.0 | 28.1 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37840 | 39.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 51 | 23 |
| 37748 | 37.9 | PEAK_OPPORTUNITY | VACANCY | 42 | 23 |
| 37846 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 46 | 16 |
| 37880 | 35.8 | EARLY_SIGNAL | VACANCY | — | 28 |
| 37763 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 19 |
| 37874 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 17 |
| 37774 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 24 | 15 |
| 37771 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 19 | 16 |
| 37830 | 29.4 | WEAK | BANK_INSTITUTIONAL | 18 | 17 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/37854
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.