ZIP
38305
TN · County 47113 · pop 53,366 (population)
33.9
Opportunity Index
EARLY_SIGNALNational rank #12233
Why This ZIP
ZIP 38305 ranks #12233 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38305 — 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 47113 — ZIP 38305 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47113 — ZIP 38305 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47113 — ZIP 38305 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 | 33.0 |
| Property Stress | 24.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 53.6 |
| Construction Pressure | 49.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#12233
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp37.3
Pulse score31.7
Signal Breakdown — 10 Categories
Vacancy
7.0
Auction / REO
—
Construction Pressure
49.5
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
33.0
Bank Institutional
53.6
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
84.8
Price Cut %
11.1%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
7.0%
Bank Score
53.6
Insurance Score
0.0
Listings Discount
33.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38305 | 31.7 | 18.6 | 0.0 | 33.0 |
| County 47113 | 33.0 | 18.8 | 0.0 | 34.2 |
| 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 |
|---|---|---|---|---|---|
| 38355 | 37.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 24 |
| 38313 | 37.4 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 51 | 23 |
| 38351 | 37.2 | PEAK_OPPORTUNITY | VACANCY | 39 | 26 |
| 38301 | 37.0 | PEAK_OPPORTUNITY | VACANCY | 39 | 24 |
| 38356 | 35.3 | EARLY_SIGNAL | VACANCY | — | 29 |
| 38343 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 24 |
| 38392 | 33.5 | EARLY_SIGNAL | VACANCY | — | 27 |
| 38366 | 32.5 | EARLY_SIGNAL | VACANCY | — | 23 |
| 38391 | 32.2 | EARLY_SIGNAL | VACANCY | — | 24 |
| 38006 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38305
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.