ZIP
38461
TN · County 47101 · pop 1,176 (population)
31.8
Opportunity Index
EARLY_SIGNALNational rank #17760
Why This ZIP
ZIP 38461 ranks #17760 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 40.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38461 — 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 47101 — ZIP 38461 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47101 — ZIP 38461 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47101 — ZIP 38461 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 | 31.6 |
| Foreclosure / Delinquency | 22.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 52.9 |
| Bank Institutional | 29.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#17760
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp40.4
Pulse score26.0
Signal Breakdown — 10 Categories
Vacancy
10.6
Auction / REO
—
Construction Pressure
52.9
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
31.6
Bank Institutional
29.5
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
8.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.6%
Bank Score
29.5
Insurance Score
0.0
Listings Discount
31.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38461 | 26.0 | 18.8 | 0.0 | 31.6 |
| County 47101 | 29.1 | 16.9 | 0.0 | 20.3 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37096 | 44.1 | STRONG_BUY | VACANCY | 59 | 24 |
| 38485 | 36.7 | PEAK_OPPORTUNITY | VACANCY | 42 | 24 |
| 38474 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 20 |
| 38483 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 38464 | 31.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 24 | 16 |
| 38462 | 29.1 | WEAK | BANK_INSTITUTIONAL | 23 | 17 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38461
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.