Smith County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Smith County, MS distress report, 2026: 15 ZIPs scored in Smith, MS, Smith, MS average 16/100; the top Smith, MS ZIP is 39168 at 23/100; Smith, MS market phase peak, Smith, MS prices +3.8% year over year.
- Smith, MS ranks #313 nationally (opportunity index); Smith, MS #9 in Mississippi; Smith, MS index 34.6.
- Smith, MS: no CFPB county sample; Smith, MS non-metro area reading 1.8%.
- Smith, MS ZIP phases: 15 peak.
- Smith, MS residential listings tracked: 7 across 4 ZIPs; Smith, MS candidate listings 5.
- Smith, MS lenders on watch: 3; largest Smith, MS footprint Trustmark Bank (2 branches).
- Smith, MS most distressed ZIP: 39168 at 23/100.
Smith, MS figures: DLRadar distress index; Smith, MS inputs: CFPB, FHFA, HUD, FDIC; Smith, MS rebuilt as sources refresh.
| Rank | Smith, MS ZIP | Score |
|---|---|---|
| 1 | 39168 | 23/100 |
| 2 | 39074 | 22/100 |
| 3 | 39092 | 21/100 |
| 4 | 39042 | 19/100 |
| 5 | 39152 | 18/100 |
| 6 | 39117 | 17/100 |
| 7 | 39336 | 17/100 |
| 8 | 39422 | 17/100 |
| 9 | 39338 | 16/100 |
| 10 | 39119 | 15/100 |
| 11 | 39481 | 15/100 |
| 12 | 39114 | 13/100 |
Most distressed Smith, MS ZIPs (0-100, 2026)
Mortgage delinquency around Smith, MS
No CFPB county sample covers Smith, MS; the non-metro area reading for Smith, MS: 1.8% ninety-plus; Smith, MS area thirty-to-eighty-nine 5.9% (December 2025, Smith, MS); Mississippi overall 1.8%.
Opportunity index: Smith, MS
Smith, MS index 34.6, Smith, MS phase peak_opportunity; Smith, MS primary driver vacancy, Smith, MS second driver bank institutional. Smith, MS components: property stress 23.4, foreclosure pressure 24.7, listing discounts 44.9, bank stress 55.0, insurance 0.0; Smith, MS pulse 37.3; Smith, MS capital opportunity 31.6.
ZIP market phases inside Smith, MS
15 Smith, MS ZIPs carry a price-cycle phase; Smith, MS ZIPs by phase (Smith, MS), deepest drawdown first: peak, +1.9% YoY, 2.2% off peak (Smith, MS): 39114; peak, +2.0% YoY, 2.1% off peak (Smith, MS): 39042; peak, +2.3% YoY, 1.8% off peak (Smith, MS): 39074; peak, +2.3% YoY, 1.7% off peak (Smith, MS): 39092, 39111; peak, +2.4% YoY, 1.6% off peak (Smith, MS): 39117; peak, +3.2% YoY, 0.8% off peak (Smith, MS): 39152; peak, +3.6% YoY, 0.3% off peak (Smith, MS): 39119; peak, +3.8% YoY (Smith, MS): 39116, 39153, 39168, 39336; peak, +3.6% YoY (Smith, MS): 39338, 39481; peak, +3.7% YoY (Smith, MS): 39422.
Residential listings by Smith, MS ZIP
Smith, MS ZIPs with the most tracked Smith, MS residential listings: 39168 3 listings, 2 candidates, bank pressure 55; 39116 2 listings, 2 candidates, bank pressure 63; 39152 1 listings, 0 candidates, bank pressure 65; 39153 1 listings, 1 candidates, bank pressure 63 (Smith, MS). Smith, MS totals: 7 listings; Smith, MS candidates 5; active ZIPs 1.
Lenders with branches in Smith, MS
Smith, MS lenders by branch count: Trustmark Bank (Smith, MS): stress 58, 2 branches low in Smith, MS; Community Bank Of Ms (Smith, MS): stress 74, 1 branch low in Smith, MS; Bankfirst Financial Services (Smith, MS): stress 57, 1 branch low in Smith, MS.
Vacancy and permits, Smith, MS
1,122 of 6,714 Smith, MS housing units are vacant.
Work Smith, MS at the parcel level
Every Smith, MS parcel carries owner and address; every Smith, MS parcel carries APN; Smith, MS distress scores sit on the Smith, MS live board.
Smith, MS figures refresh with each source.
Smith, MS questions
Most distressed ZIP code in Smith County, MS?
ZIP 39168 leads Smith, MS at 23/100; next in Smith, MS: 39074 at 22/100; the Smith, MS average is 16/100.
Where does Smith County, MS rank for investment opportunity?
Smith, MS is #313 among all ranked counties, #9 in Mississippi; the Smith, MS driver is vacancy; Smith, MS moved up 416 places.
How many mortgages are delinquent in Smith County, MS?
Smith, MS takes the non-metro area reading of 1.8% for December 2025; no CFPB county sample covers Smith, MS.
Which banks lend in Smith County, MS?
3 watched lenders hold Smith, MS branches; the largest Smith, MS footprints are Trustmark Bank (2), Community Bank Of Ms (1), Bankfirst Financial Services (1).
More on Smith, MS
Smith County, MS distress report: public-record figures for Smith, MS; not legal advice for Smith, MS; not tax or investment advice; verify every Smith, MS record before acting.