ZIP 38345 Property Distress & Foreclosure Data

DLRadar grades ZIP 38345 (Henderson County, Tennessee) at a low 26/100 for overall property distress. Property-level stress concentrates in structural risk (59/100), construction/permit lag (57/100), institutional ownership (48/100). By contrast, mortgage stress (20/100) register low. The latent-versus-live split is 59/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (75/100), climate & FEMA risk (61/100).

The market reads expansion — home values rose 5.2% year on year, and 15% higher over three years (phase confidence 28/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $48,616, below the U.S. median near $78,000. Educational attainment sits at 10% bachelor's-or-above. 14.7% of residents fall below the poverty threshold. About 1,442 people live here, median age 44. The ZIP holds roughly 681 housing units. Home values center near $218,200, an affordability ratio of 4.6×. The vacancy rate is 35.0% — elevated. DLRadar's demographic-stress index for the area reads 42/100. Around 55% of renters are cost-burdened. Owners hold 70% of homes, renters 30%.

Net-net, 38345 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.