ZIP 37078 Foreclosure, Tax-Lien & Distress Report
Humphreys County, Tennessee · High Vacancy market
Humphreys County, Tennessee's ZIP 37078 registers 22/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are structural risk (50/100), construction/permit lag (48/100), institutional ownership (43/100). mortgage stress (20/100) stay muted. On the structural side it scores 50/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (67/100).
The peak-phase market in 37078 posted values that rose 2.8% over the year (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
3.0% of residents fall below the poverty threshold. About 881 people live here, median age 49. Vacancy runs 24.2%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 43% of tenant households. The demographic-stress sub-score lands at 37/100. Educational attainment sits at 9% bachelor's-or-above. 60% of housing is owner-occupied. Home values center near $257,900, an affordability ratio of 4.2×. Households earn a median $62,625 — below the roughly $78,000 national figure. There are about 344 housing units across 37078.
On the whole, 37078 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 37078's 22/100 can be lined up against any neighbor in Humphreys County, Tennessee or any ZIP coast to coast. 37078 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 22/100 figure for 37078 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 37078 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 37078’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 37078 by the numbers
Current distress, phase, housing and lender-pressure figures for 37078, drawn from the same report attached to each property.
Humphreys County ZIPs near 37078
Nearest ZIP codes to 37078
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 37078
Other reports tied to Humphreys County, Tennessee — ZIP, county and statewide.
The complete 37078 distress and acquisition report
The full 37078 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology