ZIP 38501 Foreclosure, Tax-Lien & Distress Report

In Putnam County, Tennessee, ZIP 38501 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 47/100, with 4/100 of stress already active. Its standout signals are construction/permit lag (60/100), structural risk (47/100), institutional ownership (36/100). By contrast, institutional ownership (36/100) and mortgage stress (14/100) register low.

The market reads peak — home values rose 3.1% year on year, and 14% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $50,923, below the U.S. median near $78,000. 20.0% of residents fall below the poverty threshold. Educational attainment sits at 31% bachelor's-or-above. The ZIP holds roughly 19,357 housing units. Home values center near $284,600, an affordability ratio of 4.8×. About 42,422 people live here, median age 32. Around 46% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 39/100. Owners hold 49% of homes, renters 51%. The vacancy rate is 8.9%.

Net-net, 38501 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.