ZIP 38555 Property Distress & Foreclosure Data

ZIP code 38555 in Cumberland County, Tennessee carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (62/100). What sets it apart are the readings on construction/permit lag (38/100), structural risk (38/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (11/100) register low. Structural exposure scores 38 and live distress 3 on the 0–100 scale.

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

About 21,428 people live here, median age 42. Rent burden reaches 30% of tenant households. Owners hold 66% of homes, renters 34%. DLRadar's demographic-stress index for the area reads 33/100. Home values center near $236,300, an affordability ratio of 4.0×. Vacancy runs 8.7%. 17.9% of residents fall below the poverty threshold. There are about 9,995 housing units across 38555. Median household income is $55,286, below the U.S. median near $78,000. Educational attainment sits at 17% bachelor's-or-above.

Net-net, 38555 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.