ZIP 38560 Property Distress & Foreclosure Data

In Smith County, Tennessee, ZIP 38560 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (64/100). Its standout signals are institutional ownership (46/100), structural risk (42/100), construction/permit lag (36/100). construction/permit lag (36/100) and mortgage stress (18/100) stay muted. Structural risk reads 42/100 against active distress of 5/100.

Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 17% lower over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,639 residents call 38560 home, typically aged 33. Vacancy runs 26.2%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $241,300 (3.1× income, relatively affordable). There are about 530 housing units across 38560. At $65,221, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 36/100. 68% of housing is owner-occupied. The poverty rate is 16.4% — high, a tax-stress and distress correlate. Rent burden reaches 44% of tenant households. Around 14% of adults hold a bachelor's degree or higher.

Taken together, 38560 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.