ZIP 37128 Property Distress & Foreclosure Data

ZIP code 37128 in Rutherford County, Tennessee carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (69/100), construction/permit lag (56/100), institutional ownership (45/100). On the quiet end sit mortgage stress (17/100). The latent-versus-live split is 69/100 structural and 5/100 already moving. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (87/100)).

The peak-phase market in 37128 posted values that rose 2.3% over the year, and 5% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 37128 scores 30/100. Roughly 4.6% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 5.4%. About 38% have a four-year degree. Households earn a median $89,069 — above the roughly $78,000 national figure. The ZIP holds roughly 30,651 housing units. Around 36% of renters are cost-burdened. Population is roughly 77,016 with a median age of 32. The tenure split is 65% owner-occupied to 35% rented. A median home runs $397,900 here, or 4.1 times local income.

On balance 37128 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.