ZIP
38454
TN · County 47081 · pop 888 (population)
32.2
Opportunity Index
EARLY_SIGNALNational rank #16659
Why This ZIP
ZIP 38454 ranks #16659 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38454 — 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 47081 — ZIP 38454 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47081 — ZIP 38454 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47081 — ZIP 38454 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 | 25.0 |
| Vacancy | 20.4 |
| Property Stress | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 50.0 |
| Bank Institutional | 28.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#16659
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.2
Pulse score28.2
Signal Breakdown — 10 Categories
Vacancy
20.4
Auction / REO
—
Construction Pressure
50.0
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
28.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
20.4%
Bank Score
28.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38454 | 28.2 | 20.0 | 0.0 | — |
| County 47081 | 32.3 | 20.1 | 0.0 | 20.2 |
| 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 |
|---|---|---|---|---|---|
| 37025 | 38.1 | PEAK_OPPORTUNITY | VACANCY | 41 | 19 |
| 37137 | 37.2 | PEAK_OPPORTUNITY | VACANCY | 50 | 19 |
| 37101 | 36.7 | OVERHEATED | VACANCY | — | 29 |
| 37078 | 36.3 | EARLY_SIGNAL | VACANCY | — | 30 |
| 37055 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 20 |
| 38487 | 32.8 | EARLY_SIGNAL | VACANCY | — | 20 |
| 38461 | 31.8 | EARLY_SIGNAL | VACANCY | 32 | 18 |
| 37098 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 37033 | 31.1 | EARLY_SIGNAL | VACANCY | 20 | 19 |
| 38476 | 30.9 | EARLY_SIGNAL | VACANCY | — | 18 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38454
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.