ZIP 38547 Property Distress & Foreclosure Data

In Smith County, Tennessee, ZIP 38547 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (46/100), structural risk (42/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (18/100). The latent-versus-live split is 42/100 structural and 5/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (64/100)).

The peak-phase market in 38547 posted values that rose 2.3% over the year, and 22% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 98% owner-occupied to 2% rented. Around 0% of renters are cost-burdened. Roughly 18.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 8.0%. Households earn a median $70,218 — near the roughly $78,000 national figure. A median home runs $244,100 here, or 3.3 times local income. On demographic stress specifically, 38547 scores 23/100. Population is roughly 1,856 with a median age of 42. About 17% have a four-year degree. The ZIP holds roughly 847 housing units.

On balance 38547 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.