ZIP
38549
TN · County 47137 · pop 4,142 (population)
35.1
Opportunity Index
EARLY_SIGNALNational rank #9421
Why This ZIP
ZIP 38549 ranks #9421 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 33.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38549 — 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 47137 — ZIP 38549 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47137 — ZIP 38549 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47137 — ZIP 38549 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
| Vacancy | 34.9 |
| Listings Discount | 30.7 |
| Foreclosure / Delinquency | 29.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.2 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9421
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp33.6
Pulse score36.1
Signal Breakdown — 10 Categories
Vacancy
34.9
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
30.7
Bank Institutional
68.2
Insurance Distress
0.0
Foreclosure / Delinquency
29.0
Top-Line Metrics
Avg DOM (days)
77.5
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
34.9%
Bank Score
68.2
Insurance Score
0.0
Listings Discount
30.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38549 | 36.1 | 25.4 | 0.0 | 30.7 |
| County 47137 | 34.0 | 24.8 | 0.0 | 33.5 |
| TN state avg | 31.2 | 19.2 | 0.0 | 27.3 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (5)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 42602 | 42.5 | STRONG_BUY | VACANCY | 53 | 32 |
| 38577 | 36.0 | WATCHLIST | VACANCY | 46 | 23 |
| 38573 | 33.9 | WATCHLIST | VACANCY | 38 | 22 |
| 38556 | 33.2 | EARLY_SIGNAL | VACANCY | 32 | 21 |
| 38543 | 30.4 | WEAK | VACANCY | — | 21 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/38549
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.