ZIP
38485
TN · County 47181 · pop 6,120 (population)
36.7
Opportunity Index
PEAK_OPPORTUNITYNational rank #6195
Why This ZIP
ZIP 38485 ranks #6195 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 40.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38485 — 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 47181 — ZIP 38485 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47181 — ZIP 38485 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47181 — ZIP 38485 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 | 42.0 |
| Foreclosure / Delinquency | 33.0 |
| Property Stress | 24.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.1 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6195
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp40.7
Pulse score34.0
Signal Breakdown — 10 Categories
Vacancy
18.6
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
42.0
Bank Institutional
55.1
Insurance Distress
0.0
Foreclosure / Delinquency
33.0
Top-Line Metrics
Avg DOM (days)
131.8
Price Cut %
18.6%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
18.6%
Bank Score
55.1
Insurance Score
0.0
Listings Discount
42.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38485 | 34.0 | 25.2 | 0.0 | 42.0 |
| County 47181 | 32.5 | 23.4 | 0.0 | 25.2 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37096 | 44.1 | STRONG_BUY | VACANCY | 59 | 24 |
| 38425 | 41.1 | STRONG_BUY | VACANCY | 55 | 25 |
| 38450 | 33.0 | EARLY_SIGNAL | VACANCY | — | 24 |
| 38463 | 32.7 | EARLY_SIGNAL | VACANCY | — | 21 |
| 38475 | 32.7 | EARLY_SIGNAL | VACANCY | — | 26 |
| 38486 | 32.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 38464 | 31.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 24 | 16 |
| 38471 | 31.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 38452 | 31.1 | EARLY_SIGNAL | VACANCY | — | 24 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38485
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.