ZIP 37095 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 37095 in Dekalb County, Tennessee comes in at 15, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (55/100), structural risk (35/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (14/100). Latent structural risk is 35/100 while live distress already moving reads 4/100.

The peak-phase market in 37095 posted values that rose 2.5% over the year (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

About 1,840 people live here, median age 44. 30.3% of residents fall below the poverty threshold. The typical home is worth about $189,200 (3.9× income, relatively affordable). The vacancy rate is 14.8% — elevated. The ZIP holds roughly 864 housing units. Educational attainment sits at 23% bachelor's-or-above. Owners hold 67% of homes, renters 33%. On demographic stress specifically, 37095 scores 39/100. Around 56% of renters are cost-burdened. At $50,278, median income runs below typical U.S. levels.

On the whole, 37095 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.

Big metro or rural, 37095 runs through one identical scoring model, so its 15/100 sits on the same scale as every other ZIP in Dekalb County, Tennessee and the nation. The score is rebuilt from public data as it updates, so 37095 reflects the current record instead of a stale or modeled snapshot.

The 15/100 for 37095 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 37095 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.