ZIP
38257
TN · County 47131 · pop 4,205 (population)
37.4
Opportunity Index
OVERHEATEDNational rank #5106
Why This ZIP
ZIP 38257 ranks #5106 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 34.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38257 — 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 47131 — ZIP 38257 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47131 — ZIP 38257 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47131 — ZIP 38257 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 | 36.3 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 71.2 |
| Construction Pressure | 61.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5106
PhaseOVERHEATED
Primary driverVACANCY
Capital opp34.5
Pulse score39.3
Signal Breakdown — 10 Categories
Vacancy
14.3
Auction / REO
—
Construction Pressure
61.0
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
36.3
Bank Institutional
71.2
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
14.3%
Bank Score
71.2
Insurance Score
0.0
Listings Discount
36.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38257 | 39.3 | 22.1 | 0.0 | 36.3 |
| County 47131 | 35.1 | 22.4 | 0.0 | 26.4 |
| 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 |
|---|---|---|---|---|---|
| 38233 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 58 | 22 |
| 38253 | 36.3 | WATCHLIST | VACANCY | 40 | 22 |
| 38080 | 35.8 | EARLY_SIGNAL | VACANCY | — | 20 |
| 38261 | 35.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 22 |
| 38240 | 35.2 | EARLY_SIGNAL | VACANCY | — | 21 |
| 38259 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 38260 | 34.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 38232 | 34.0 | EARLY_SIGNAL | VACANCY | — | 22 |
| 38255 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 38237 | 31.0 | EARLY_SIGNAL | VACANCY | 21 | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38257
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.