ZIP 38049 Foreclosure, Tax-Lien & Distress Report
Fayette County, Tennessee · Affordable market
On DLRadar's 0-100 distress scale, ZIP 38049 in Fayette County, Tennessee comes in at 20, a low composite-distress reading. Structural exposure scores 43 and live distress 5 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (76/100). Its heaviest discrete signals: structural risk (43/100), institutional ownership (37/100), mortgage stress (15/100). On the quiet end sit mortgage stress (15/100) and construction/permit lag (8/100).
The peak-phase market in 38049 posted values that rose 1.2% over the year, and 38% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
About 4,319 people live here, median age 40. There are about 1,818 housing units across 38049. The poverty rate is 13.5%. The demographic-stress sub-score lands at 29/100. 68% of housing is owner-occupied. Around 31% of renters are cost-burdened. The vacancy rate is 11.2%. Households earn a median $57,321 — below the roughly $78,000 national figure. A median home runs $161,300 here, or 2.6 times local income. Educational attainment sits at 15% bachelor's-or-above.
Overall, 38049 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 38049 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 38049 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 38049 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
38049'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. In workflow terms, 38049 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 38049 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 38049 by the numbers
The live 38049 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Fayette County
Nearest ZIP codes to 38049
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Fayette County, Tennessee
Additional distress intelligence spanning Fayette County, Tennessee by ZIP, county and state.
See every distressed parcel in 38049
Open 38049 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology