ZIP 38076 Foreclosure, Tax-Lien & Distress Report
Fayette County, Tennessee · Distress market
In Fayette County, Tennessee, ZIP 38076 scores 17 of 100 for composite distress, a low level on DLRadar's distress index. Structural exposure scores 34 and live distress 4 on the 0–100 scale. The pressure is most legible in structural risk (34/100), institutional ownership (30/100), mortgage stress (13/100). By contrast, institutional ownership (30/100) and mortgage stress (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 scoring model, so its 17/100 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.
What is driving ZIP 38076’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 38076 distress snapshot
38076 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
More ZIPs across Fayette County
Nearest ZIP codes to 38076
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Fayette County, Tennessee
Related ZIP, county and statewide reads linked to Fayette County, Tennessee.
The complete 38076 distress and acquisition report
Open 38076 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.
Built from public records, scored the same way everywhere · methodology