ZIP 38042 Foreclosure, Tax-Lien & Distress Report

ZIP code 38042 in Hardeman County, Tennessee carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic distress index. Structural exposure scores 37 and live distress 6 on the 0–100 scale. What sets it apart are the readings on institutional ownership (44/100), structural risk (37/100), construction/permit lag (20/100). By contrast, construction/permit lag (20/100) and mortgage stress (19/100) register low.

The market reads peak — home values rose 2.6% year on year, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 22% have a four-year degree. Roughly 18.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 451 people live here, median age 69. DLRadar's demographic-stress index for the area reads 38/100. Around 85% of renters are cost-burdened. There are about 392 housing units across 38042. Median household income is $48,897, below the U.S. median near $78,000. The vacancy rate is 28.1% — elevated. Home values center near $147,000, an affordability ratio of 3.0× — accessible. 78% of housing is owner-occupied.

Net-net, 38042 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 38042 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 38042 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 38042 shows blanks, not estimates, wherever the record is sparse.

38042's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 38042 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.