ZIP
38464
TN · County 47099 · pop 23,727 (population)
31.4
Opportunity Index
EARLY_SIGNALNational rank #18851
Why This ZIP
ZIP 38464 ranks #18851 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 31.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38464 — 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 47099 — ZIP 38464 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47099 — ZIP 38464 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47099 — ZIP 38464 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 | 23.9 |
| Foreclosure / Delinquency | 20.0 |
| Property Stress | 16.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 70.9 |
| Bank Institutional | 55.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#18851
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp31.7
Pulse score31.2
Signal Breakdown — 10 Categories
Vacancy
10.0
Auction / REO
—
Construction Pressure
70.9
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
23.9
Bank Institutional
55.3
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
102.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.0%
Bank Score
55.3
Insurance Score
0.0
Listings Discount
23.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38464 | 31.2 | 16.2 | 0.0 | 23.9 |
| County 47099 | 30.0 | 15.9 | 0.0 | 14.7 |
| 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 |
|---|---|---|---|---|---|
| 38473 | 36.4 | OVERHEATED | VACANCY | 34 | 25 |
| 38474 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 20 |
| 38463 | 32.7 | EARLY_SIGNAL | VACANCY | — | 21 |
| 38483 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 38486 | 32.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 38457 | 31.5 | EARLY_SIGNAL | VACANCY | — | 14 |
| 38456 | 31.1 | EARLY_SIGNAL | VACANCY | — | 17 |
| 38469 | 30.4 | WEAK | BANK_INSTITUTIONAL | 24 | 14 |
| 38468 | 30.2 | WEAK | VACANCY | — | 15 |
| 38481 | 29.4 | WEAK | VACANCY | — | 14 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38464
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.