ZIP
38049
TN · County 47047 · pop 4,319 (population)
29.6
Opportunity Index
WEAKNational rank #23431
Why This ZIP
ZIP 38049 ranks #23431 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 28.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38049 — 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 47047 — ZIP 38049 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47047 — ZIP 38049 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47047 — ZIP 38049 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
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 14.0 |
| Vacancy | 11.2 |
▼ Top 3 Risk Signals
| Bank Institutional | 71.7 |
| Construction Pressure | 7.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#23431
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp28.5
Pulse score30.3
Signal Breakdown — 10 Categories
Vacancy
11.2
Auction / REO
—
Construction Pressure
7.6
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
71.7
Insurance Distress
0.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
11.2%
Bank Score
71.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38049 | 30.3 | 14.1 | 0.0 | — |
| County 47047 | 25.6 | 15.4 | 0.0 | 23.3 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38042 | 37.0 | OVERHEATED | VACANCY | — | 35 |
| 38039 | 36.2 | EARLY_SIGNAL | VACANCY | — | 27 |
| 38075 | 35.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 31 |
| 38002 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 20 |
| 38017 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 42 | 17 |
| 38069 | 30.2 | WEAK | VACANCY | — | 22 |
| 38057 | 28.7 | WEAK | VACANCY | 25 | 11 |
| 38028 | 27.7 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 38068 | 26.5 | WEAK | VACANCY | 24 | 11 |
| 38066 | 25.7 | WEAK | BANK_INSTITUTIONAL | — | 11 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38049
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.