ZIP 38327 Foreclosure, Tax-Lien & Distress Report

In Hardin County, Tennessee, ZIP 38327 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. What sets it apart are the readings on structural risk (42/100), institutional ownership (40/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100) and construction/permit lag (6/100). It additionally carries heavy environmental risk: climate & FEMA risk (65/100). Structurally it carries 42/100, against 6/100 of stress already in motion.

The peak-phase market in 38327 posted values that rose 2.8% over the year, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $34,821, below the U.S. median near $78,000. There are about 334 housing units across 38327. The demographic-stress sub-score lands at 39/100. Owners hold 77% of homes, renters 23%. The vacancy rate is 22.2% — elevated. Educational attainment sits at 7% bachelor's-or-above. Around 54% of renters are cost-burdened. 717 residents call 38327 home, typically aged 51. Roughly 23.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The typical home is worth about $150,000 (3.9× income, relatively affordable).

On the whole, 38327 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 38327 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 38327 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Hardin County, Tennessee and the nation. 38327 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

38327'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. For a buyer, 38327 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.