ZIP
38109
TN · County 47157 · pop 43,764 (population)
37.8
Opportunity Index
PEAK_OPPORTUNITYNational rank #4529
Why This ZIP
ZIP 38109 ranks #4529 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 41.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38109 — 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 47157 — ZIP 38109 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47157 — ZIP 38109 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47157 — ZIP 38109 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 | 52.2 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.6 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4529
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp41.3
Pulse score35.5
Signal Breakdown — 10 Categories
Vacancy
11.5
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
52.2
Bank Institutional
69.6
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
6
Auction Events 90d
—
Vacancy %
11.5%
Bank Score
69.6
Insurance Score
0.0
Listings Discount
52.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38109 | 35.5 | 22.7 | 0.0 | 52.2 |
| County 47157 | 30.1 | 22.4 | 0.0 | 35.4 |
| 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 |
|---|---|---|---|---|---|
| 38114 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 50 | 21 |
| 38108 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 60 | 21 |
| 38122 | 37.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 21 |
| 38141 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 21 |
| 38126 | 35.8 | WATCHLIST | VACANCY | 49 | 21 |
| 38118 | 35.3 | WATCHLIST | VACANCY | 38 | 21 |
| 38119 | 34.8 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 21 |
| 38127 | 34.7 | EARLY_SIGNAL | VACANCY | 35 | 21 |
| 38139 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 21 |
| 38120 | 34.3 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38109
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.