Smith County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Smith County, Mississippi? DLRadar grades every Smith County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Smith County breakdown.
- Smith County's most distressed ZIP is 39074 at 22/100.
- 15 ZIP codes tracked in Smith County, averaging 16/100 distress.
- Smith County reads peak — home values up 3.8% year over year.
- Vacancy runs 17.6% across Smith County's tracked ZIPs, with a 16.9% poverty rate.
- The typical Smith County home is worth about $113,814 against a ~$63,313 median income.
- Lending headwind in Smith County sits at 9/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 39074 | 22/100 |
| 2 | 39168 | 22/100 |
| 3 | 39092 | 21/100 |
| 4 | 39042 | 19/100 |
| 5 | 39152 | 19/100 |
| 6 | 39336 | 17/100 |
| 7 | 39422 | 17/100 |
| 8 | 39117 | 16/100 |
| 9 | 39338 | 16/100 |
| 10 | 39481 | 15/100 |
| 11 | 39114 | 13/100 |
| 12 | 39119 | 12/100 |
Most distressed ZIP codes in Smith County (composite distress 0-100, 2026)
What is driving Smith County distress
Smith County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 16/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Smith County market phase and pricing
DLRadar places Smith County in peak; prices moved up 3.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Smith County
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Frequently asked questions
What is the hardest-hit ZIP in Smith County?
ZIP 39074 leads Smith County at 22/100, recomputed monthly from public records.
What stage of the price cycle is Smith County at?
The market phase for Smith County is peak, prices rising 3.8% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Smith County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 15 Smith County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Smith County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Smith County ZIPs DLRadar ranks, scores run from 22/100 in 39074 down to 12/100 in 39119, against a Smith County average of 16/100. The 10-point range is the argument for ZIP-level search across Smith County.
What do Smith County home values and vacancy say about distressed supply?
The typical Smith County home carries about $113,814 of value against a median household income near $63,313. Vacancy across Smith County's tracked ZIPs runs 17.6% and the poverty rate is 16.9%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Smith County's foreclosure and lien filings and its 9/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.