ZIP
38316
TN · County 47053 · pop 3,127 (population)
37.2
Opportunity Index
PEAK_OPPORTUNITYNational rank #5383
Why This ZIP
ZIP 38316 ranks #5383 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38316 — 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 47053 — ZIP 38316 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47053 — ZIP 38316 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47053 — ZIP 38316 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 | 48.6 |
| Property Stress | 24.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 76.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5383
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp38.9
Pulse score36.0
Signal Breakdown — 10 Categories
Vacancy
10.2
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
48.6
Bank Institutional
76.8
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
111.0
Price Cut %
17.4%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.2%
Bank Score
76.8
Insurance Score
0.0
Listings Discount
48.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38316 | 36.0 | 18.4 | 0.0 | 48.6 |
| County 47053 | 33.3 | 18.5 | 0.0 | 44.0 |
| 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 |
| 38369 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 58 | 24 |
| 38382 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 58 | 24 |
| 38220 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 54 | 19 |
| 38355 | 37.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 24 |
| 38059 | 36.3 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 18 |
| 38358 | 35.9 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 24 |
| 38259 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 38343 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 24 |
| 38330 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 24 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38316
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.