ZIP 38315 Foreclosure, Tax-Lien & Distress Report

ZIP code 38315 in Mcnairy County, Tennessee carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (51/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (15/100). The split runs 51/100 structural to 4/100 active on the ground.

The market reads peak — home values rose 3.2% year on year, and 32% higher over three years, at 25/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 85% of homes, renters 15%. The typical home is worth about $138,600 (2.7× income, relatively affordable). Rent burden reaches 44% of tenant households. Educational attainment sits at 9% bachelor's-or-above. Population is roughly 3,929 with a median age of 50. Median household income is $47,458, below the U.S. median near $78,000. The vacancy rate is 15.3% — elevated. The poverty rate is 18.1% — high, a tax-stress and distress correlate. There are about 1,707 housing units across 38315. On demographic stress specifically, 38315 scores 31/100.

Net-net, 38315 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 38315 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Mcnairy County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 38315, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38315'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, 38315 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.