ZIP 38488 Property Distress & Foreclosure Data

ZIP code 38488 in Lincoln County, Tennessee carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (75/100). The latent-versus-live split is 56/100 structural and 5/100 already moving. What sets it apart are the readings on construction/permit lag (58/100), structural risk (56/100), institutional ownership (42/100). mortgage stress (16/100) stay muted.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 36% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 12% of renters are cost-burdened. Around 21% of adults hold a bachelor's degree or higher. At $64,630, median income runs below typical U.S. levels. 1,931 residents call 38488 home, typically aged 52. The ZIP holds roughly 1,085 housing units. The vacancy rate is 13.8% — elevated. The typical home is worth about $261,500 (3.8× income, relatively affordable). The demographic-stress sub-score lands at 28/100. The poverty rate is 22.2% — high, a tax-stress and distress correlate. 87% of housing is owner-occupied.

Taken together, 38488 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.