ZIP 38221 Foreclosure, Tax-Lien & Distress Report

Benton County, Tennessee's ZIP 38221 registers 20/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (83/100), institutional ownership (46/100), structural risk (45/100). By contrast, mortgage stress (21/100) register low. Structural risk reads 45/100 against active distress of 6/100.

The market reads peak — home values rose 2.8% year on year, and 38% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

About 3,046 people live here, median age 54. The ZIP holds roughly 1,986 housing units. A median home runs $139,100 here, or 2.3 times local income. Owners hold 69% of homes, renters 31%. The vacancy rate is 27.3% — elevated. The poverty rate is 18.6% — high, a tax-stress and distress correlate. At $52,109, median income runs below typical U.S. levels. Around 18% of renters are cost-burdened. The demographic-stress sub-score lands at 28/100. About 10% have a four-year degree.

Taken together, 38221 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 38221 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 38221 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. Sparse data for 38221 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 38221's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 38221 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.