ZIP 38012 Property Distress & Foreclosure Data

Composite property distress in 38012 (Haywood County, Tennessee) lands at 22/100 — low on DLRadar's public-record scoring. Structural exposure scores 48 and live distress 6 on the 0–100 scale. The sharpest non-environmental signals are structural risk (48/100), institutional ownership (47/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (18/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100).

The market reads expansion — home values rose 5.2% year on year, and 36% higher over three years, at 28/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $161,500, an affordability ratio of 3.1× — accessible. 24.4% of residents fall below the poverty threshold. About 13,079 people live here, median age 43. Educational attainment sits at 13% bachelor's-or-above. Owners hold 52% of homes, renters 48%. Vacancy runs 11.2%. Median household income is $41,485, below the U.S. median near $78,000. There are about 6,031 housing units across 38012. Rent burden reaches 39% of tenant households. DLRadar's demographic-stress index for the area reads 35/100.

Net-net, 38012 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.