ZIP
38221
TN · County 47005 · pop 3,046 (population)
46.0
Opportunity Index
OVERHEATEDNational rank #173
Why This ZIP
ZIP 38221 ranks #173 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 37.4, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38221 — 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 47005 — ZIP 38221 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47005 — ZIP 38221 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47005 — ZIP 38221 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 | 70.0 |
| Property Stress | 43.0 |
| Vacancy | 27.3 |
▼ Top 3 Risk Signals
| Construction Pressure | 83.3 |
| Bank Institutional | 56.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#173
PhaseOVERHEATED
Primary driverVACANCY
Capital opp37.4
Pulse score51.7
Signal Breakdown — 10 Categories
Vacancy
27.3
Auction / REO
—
Construction Pressure
83.3
FL Deep Bonus
—
Property Stress
43.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
56.2
Insurance Distress
0.0
Foreclosure / Delinquency
70.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
27.3%
Bank Score
56.2
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38221 | 51.7 | 49.9 | 0.0 | — |
| County 47005 | 46.9 | 49.7 | 0.0 | 22.5 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38320 | 44.4 | OVERHEATED | VACANCY | 34 | 43 |
| 38380 | 44.1 | OVERHEATED | VACANCY | — | 46 |
| 38333 | 43.7 | OVERHEATED | VACANCY | — | 43 |
| 38341 | 43.2 | OVERHEATED | VACANCY | — | 43 |
| 38317 | 37.4 | PEAK_OPPORTUNITY | VACANCY | 47 | 22 |
| 38387 | 30.8 | WEAK | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38221
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.