ZIP 38076 Foreclosure, Tax-Lien & Distress Report

In Fayette County, Tennessee, ZIP 38076 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 37 and live distress 4 on the 0–100 scale. The pressure is most legible in structural risk (37/100), institutional ownership (30/100), mortgage stress (13/100). By contrast, mortgage stress (13/100) and construction/permit lag (13/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (74/100).

The market reads peak — home values rose 1.2% year on year, and 3% lower over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 87% owner-occupied to 13% rented. There are about 412 housing units across 38076. A median home runs $287,800 here, or 3.1 times local income. About 25% have a four-year degree. The vacancy rate is 2.3%. At $80,625, median income runs near typical U.S. levels. Population is roughly 874 with a median age of 46. On demographic stress specifically, 38076 scores 26/100. Rent burden reaches 35% of tenant households. The poverty rate is 8.6%.

Net-net, 38076 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 38076 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Fayette County, Tennessee and the nation. The score is rebuilt from public data as it updates, so 38076 reflects the current record instead of a stale or modeled snapshot.

38076'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. Treat 38076 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.