ZIP
38581
TN · County 47177 · pop 3,965 (population)
31.1
Opportunity Index
EARLY_SIGNALNational rank #19660
Why This ZIP
ZIP 38581 ranks #19660 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38581 — 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 47177 — ZIP 38581 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 47177 — ZIP 38581 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 47177 — ZIP 38581 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
| Foreclosure / Delinquency | 24.0 |
| Property Stress | 19.0 |
| Vacancy | 13.5 |
▼ Top 3 Risk Signals
| Construction Pressure | 52.8 |
| Bank Institutional | 28.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19660
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.1
Pulse score26.4
Signal Breakdown — 10 Categories
Vacancy
13.5
Auction / REO
—
Construction Pressure
52.8
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
28.5
Insurance Distress
0.0
Foreclosure / Delinquency
24.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
13.5%
Bank Score
28.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38581 | 26.4 | 20.0 | 0.0 | — |
| County 47177 | 34.0 | 21.4 | 0.0 | 29.1 |
| TN state avg | 31.6 | 20.3 | 0.0 | 27.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 37190 | 36.5 | OVERHEATED | BANK_INSTITUTIONAL | 31 | 24 |
| 37394 | 36.2 | EARLY_SIGNAL | VACANCY | — | 21 |
| 37110 | 35.7 | EARLY_SIGNAL | VACANCY | 35 | 21 |
| 37357 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 37166 | 30.2 | WEAK | VACANCY | 18 | 18 |
| 38550 | 27.0 | WEAK | BANK_INSTITUTIONAL | — | 13 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38581
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.