ZIP 38563 Property Distress & Foreclosure Data

Smith County, Tennessee's ZIP 38563 registers 18/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (64/100). On the structural side it scores 42/100, with 5/100 of stress already active. The most distinctive pressure shows up in 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.

Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 33% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 28% of renters are cost-burdened. 2,271 residents call 38563 home, typically aged 34. At $71,094, median income runs near typical U.S. levels. Around 19% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 27/100. The ZIP holds roughly 919 housing units. The poverty rate is 4.0% — low. The typical home is worth about $241,300 (3.3× income, relatively affordable). 73% of housing is owner-occupied. The vacancy rate is 8.3%.

Overall, 38563 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.