ZIP 38544 Property Distress & Foreclosure Data

Composite property distress in 38544 (Putnam County, Tennessee) lands at 21/100 — low on DLRadar's public-record scoring. Structural exposure scores 46 and live distress 4 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (61/100)). The sharpest non-environmental signals are construction/permit lag (60/100), structural risk (46/100), institutional ownership (30/100). On the quiet end sit institutional ownership (30/100) and mortgage stress (12/100).

The peak-phase market in 38544 posted values that rose 3.3% over the year, and 20% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 7,413 with a median age of 41. Rent burden reaches 41% of tenant households. A median home runs $245,100 here, or 3.3 times local income. Vacancy runs 14.9%, above the national norm and a classic distress-and-opportunity signal. There are about 3,558 housing units across 38544. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 16% have a four-year degree. Households earn a median $66,801 — below the roughly $78,000 national figure. The tenure split is 79% owner-occupied to 21% rented. On demographic stress specifically, 38544 scores 32/100.

On the whole, 38544 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.