ZIP 37854 Property Distress & Foreclosure Data

In Roane County, Tennessee, ZIP 37854 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 30/100 structural and 4/100 already moving. Its standout signals are structural risk (30/100), institutional ownership (29/100), mortgage stress (12/100). On the quiet end sit institutional ownership (29/100) and mortgage stress (12/100).

The peak-phase market in 37854 posted values that rose 2.6% over the year, and 41% higher over three years (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 6,043 housing units. Roughly 19.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 16.5% — elevated. About 14% have a four-year degree. Around 28% of renters are cost-burdened. On demographic stress specifically, 37854 scores 32/100. Households earn a median $49,098 — below the roughly $78,000 national figure. Population is roughly 12,403 with a median age of 47. A median home runs $177,500 here, or 3.1 times local income. The tenure split is 69% owner-occupied to 31% rented.

On the whole, 37854 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.