ZIP
38544
TN · County 47141 · pop 7,413 (population)
36.4
Opportunity Index
PEAK_OPPORTUNITYNational rank #6730
Why This ZIP
ZIP 38544 ranks #6730 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 39.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38544 — 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 47141 — ZIP 38544 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47141 — ZIP 38544 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47141 — ZIP 38544 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 | 42.6 |
| Foreclosure / Delinquency | 22.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.9 |
| Construction Pressure | 47.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6730
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp39.5
Pulse score34.4
Signal Breakdown — 10 Categories
Vacancy
14.9
Auction / REO
—
Construction Pressure
47.1
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
42.6
Bank Institutional
55.9
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
165.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
14.9%
Bank Score
55.9
Insurance Score
0.0
Listings Discount
42.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38544 | 34.4 | 18.9 | 0.0 | 42.6 |
| County 47141 | 29.1 | 20.4 | 0.0 | 20.0 |
| 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 |
|---|---|---|---|---|---|
| 38564 | 33.9 | EARLY_SIGNAL | VACANCY | — | 24 |
| 38545 | 32.3 | EARLY_SIGNAL | VACANCY | — | 23 |
| 38506 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 30 | 19 |
| 38574 | 31.6 | EARLY_SIGNAL | VACANCY | 22 | 19 |
| 38583 | 30.8 | WEAK | BANK_INSTITUTIONAL | 29 | 15 |
| 38582 | 29.6 | WEAK | VACANCY | — | 18 |
| 38548 | 28.7 | WEAK | VACANCY | — | 11 |
| 38501 | 27.7 | WEAK | BANK_INSTITUTIONAL | 8 | 21 |
| 38505 | 26.1 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 38503 | 26.1 | WEAK | BANK_INSTITUTIONAL | — | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38544
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.