ZIP 38040 Property Distress & Foreclosure Data

Lauderdale County, Tennessee's ZIP 38040 registers 25/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (65/100)). The latent-versus-live split is 56/100 structural and 5/100 already moving. The most distinctive pressure shows up in structural risk (56/100), construction/permit lag (50/100), institutional ownership (45/100). On the quiet end sit mortgage stress (18/100).

The peak-phase market in 38040 posted values that rose 4.4% over the year, and 46% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $52,119 — below the roughly $78,000 national figure. The ZIP holds roughly 2,280 housing units. About 11% have a four-year degree. Around 25% of renters are cost-burdened. A median home runs $148,800 here, or 2.1 times local income. On demographic stress specifically, 38040 scores 28/100. Roughly 16.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 55% owner-occupied to 45% rented. The vacancy rate is 10.2%. Population is roughly 4,689 with a median age of 41.

On balance 38040 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.