ZIP
37861
TN · County 47057 · pop 8,578 (population)
37.8
Opportunity Index
OVERHEATEDNational rank #4547
Why This ZIP
ZIP 37861 ranks #4547 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 32.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 37861 — 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 47057 — ZIP 37861 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47057 — ZIP 37861 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47057 — ZIP 37861 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 | 31.0 |
| Listings Discount | 29.6 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 72.0 |
| Construction Pressure | 47.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4547
PhaseOVERHEATED
Primary driverVACANCY
Capital opp32.7
Pulse score41.2
Signal Breakdown — 10 Categories
Vacancy
21.6
Auction / REO
—
Construction Pressure
47.0
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
29.6
Bank Institutional
72.0
Insurance Distress
0.0
Foreclosure / Delinquency
31.0
Top-Line Metrics
Avg DOM (days)
93.2
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
21.6%
Bank Score
72.0
Insurance Score
0.0
Listings Discount
29.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 37861 | 41.2 | 27.2 | 0.0 | 29.6 |
| County 47057 | 40.3 | 27.0 | 0.0 | 23.2 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37708 | 39.7 | PEAK_OPPORTUNITY | VACANCY | 38 | 26 |
| 37881 | 39.3 | PEAK_OPPORTUNITY | VACANCY | 47 | 25 |
| 37888 | 37.9 | OVERHEATED | VACANCY | — | 26 |
| 37811 | 37.7 | PEAK_OPPORTUNITY | VACANCY | 44 | 22 |
| 37709 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 26 |
| 37779 | 33.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 37848 | 31.2 | EARLY_SIGNAL | VACANCY | — | 16 |
| 37806 | 29.2 | WEAK | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/37861
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.