ZIP
38474
TN · County 47119 · pop 9,336 (population)
35.7
Opportunity Index
WATCHLISTNational rank #8084
Why This ZIP
ZIP 38474 ranks #8084 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38474 — 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 47119 — ZIP 38474 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47119 — ZIP 38474 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47119 — ZIP 38474 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 | 38.5 |
| Foreclosure / Delinquency | 24.0 |
| Property Stress | 20.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.8 |
| Construction Pressure | 53.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8084
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp37.7
Pulse score34.3
Signal Breakdown — 10 Categories
Vacancy
9.2
Auction / REO
—
Construction Pressure
53.7
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
38.5
Bank Institutional
58.8
Insurance Distress
0.0
Foreclosure / Delinquency
24.0
Top-Line Metrics
Avg DOM (days)
7.0
Price Cut %
11.5%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
9.2%
Bank Score
58.8
Insurance Score
0.0
Listings Discount
38.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38474 | 34.3 | 20.9 | 0.0 | 38.5 |
| County 47119 | 31.2 | 20.9 | 0.0 | 28.3 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38482 | 33.8 | WATCHLIST | LISTINGS_DISCOUNT | 40 | 20 |
| 37174 | 33.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 20 |
| 38487 | 32.8 | EARLY_SIGNAL | VACANCY | — | 20 |
| 38483 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 37091 | 31.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 29 | 17 |
| 38401 | 31.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 24 | 20 |
| 38461 | 31.8 | EARLY_SIGNAL | VACANCY | 32 | 18 |
| 38476 | 30.9 | EARLY_SIGNAL | VACANCY | — | 18 |
| 38451 | 30.3 | WEAK | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38474
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.