ZIP
38059
TN · County 47045 · pop 8,822 (population)
36.3
Opportunity Index
WATCHLISTNational rank #6908
Why This ZIP
ZIP 38059 ranks #6908 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38059 — 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 47045 — ZIP 38059 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47045 — ZIP 38059 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47045 — ZIP 38059 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 | 45.3 |
| Property Stress | 18.0 |
| Foreclosure / Delinquency | 18.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 62.2 |
| Construction Pressure | 58.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6908
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp39.3
Pulse score34.3
Signal Breakdown — 10 Categories
Vacancy
5.2
Auction / REO
—
Construction Pressure
58.1
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
45.3
Bank Institutional
62.2
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
54.7
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
5.2%
Bank Score
62.2
Insurance Score
0.0
Listings Discount
45.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38059 | 34.3 | 18.4 | 0.0 | 45.3 |
| County 47045 | 34.8 | 18.5 | 0.0 | 35.6 |
| 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 |
|---|---|---|---|---|---|
| 38024 | 35.8 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 19 |
| 38080 | 35.8 | EARLY_SIGNAL | VACANCY | — | 20 |
| 38240 | 35.2 | EARLY_SIGNAL | VACANCY | — | 21 |
| 38259 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 38034 | 34.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 38040 | 33.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 38030 | 33.0 | EARLY_SIGNAL | VACANCY | — | 19 |
| 38047 | 30.3 | WEAK | VACANCY | — | 10 |
| 38007 | 27.1 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 38070 | 26.3 | WEAK | BANK_INSTITUTIONAL | — | 10 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38059
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.