Smith County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Smith County, TN distress report, 2026: 15 ZIPs scored in Smith, TN, Smith, TN average 20/100; the top Smith, TN ZIP is 37090 at 30/100; Smith, TN market phase peak, Smith, TN prices +1.3% year over year.
- Smith, TN ranks #2,621 nationally (opportunity index); Smith, TN #88 in Tennessee; Smith, TN index 25.3.
- Smith, TN: no CFPB county sample; Smith, TN metro area reading 0.8%.
- Smith, TN ZIP phases: 15 peak.
- Smith, TN residential listings tracked: 5 across 9 ZIPs; Smith, TN candidate listings 2.
- Smith, TN HUD assisted properties: 1 with 14 units.
- Smith, TN lenders on watch: 4; largest Smith, TN footprint Citizens Bank (4 branches).
- Smith, TN most distressed ZIP: 37090 at 30/100.
Smith, TN figures: DLRadar distress index; Smith, TN inputs: CFPB, FHFA, HUD, FDIC; Smith, TN rebuilt as sources refresh.
| Rank | Smith, TN ZIP | Score |
|---|---|---|
| 1 | 37090 | 30/100 |
| 2 | 37184 | 30/100 |
| 3 | 37087 | 29/100 |
| 4 | 38548 | 23/100 |
| 5 | 37012 | 19/100 |
| 6 | 37030 | 18/100 |
| 7 | 37145 | 18/100 |
| 8 | 37151 | 18/100 |
| 9 | 38547 | 18/100 |
| 10 | 38552 | 18/100 |
| 11 | 38560 | 18/100 |
| 12 | 38563 | 18/100 |
Most distressed Smith, TN ZIPs (0-100, 2026)
Mortgage delinquency around Smith, TN
No CFPB county sample covers Smith, TN; the metro area reading for Smith, TN (Nashville-Davidson--Murfreesboro--Franklin, TN): 0.8% ninety-plus; Smith, TN area thirty-to-eighty-nine 1.7% (December 2025, Smith, TN); Tennessee overall 0.9%.
Opportunity index: Smith, TN
Smith, TN index 25.3, Smith, TN phase weak; Smith, TN primary driver vacancy, Smith, TN second driver bank institutional. Smith, TN components: property stress 16.8, foreclosure pressure 17.1, listing discounts 18.8, bank stress 47.3, insurance 0.0; Smith, TN pulse 27.9; Smith, TN capital opportunity 21.4; Smith, TN seven-day change +0.6%.
ZIP market phases inside Smith, TN
15 Smith, TN ZIPs carry a price-cycle phase; Smith, TN ZIPs by phase (Smith, TN), deepest drawdown first: peak, +1.3% YoY, 0.2% off peak (Smith, TN): 37057, 37087, 37090, 37151, Smith, TN 37184, 38547, 38552, 38560, Smith, TN 38563, 37030; peak, +1.4% YoY, 0.2% off peak (Smith, TN): 37145; peak, +1.5% YoY, 0.2% off peak (Smith, TN): 38567; peak, +2.0% YoY, 0.1% off peak (Smith, TN): 38569; peak, +2.2% YoY, 0.1% off peak (Smith, TN): 37012; peak, +1.8% YoY, 0.1% off peak (Smith, TN): 38548.
Residential listings by Smith, TN ZIP
Smith, TN ZIPs with the most tracked Smith, TN residential listings: 37145 2 listings, 1 candidates, bank pressure 60; 37030 1 listings, 1 candidates, bank pressure 57; 38552 1 listings, 0 candidates, bank pressure 58; 38560 1 listings, 0 candidates, bank pressure 58 (Smith, TN); 37151 0 listings, 0 candidates, bank pressure 58; 38547 0 listings, 0 candidates, bank pressure 58; 38563 0 listings, 0 candidates, bank pressure 58; 38567 0 listings, 0 candidates, bank pressure 59. Smith, TN totals: 5 listings; Smith, TN candidates 2; active ZIPs 4.
HUD assisted housing in Smith, TN
1 assisted properties with 14 units sit in Smith, TN; largest Smith, TN properties: South Carthage Manor (Carthage) 14 units, 14 assisted.
Lenders with branches in Smith, TN
Smith, TN lenders by branch count: Citizens Bank (Smith, TN): stress 37, 4 branches low in Smith, TN; Wellworth Bank (Smith, TN): stress 65, 2 branches low in Smith, TN; Wilson Bank&Trust (Smith, TN): stress 61, 2 branches low in Smith, TN; Banktennessee (Smith, TN): stress 70, 1 branch low in Smith, TN.
Vacancy and permits, Smith, TN
820 of 8,752 Smith, TN housing units are vacant; Smith, TN permits, twelve months: 0 multifamily units in Smith, TN, 146 one-to-four unit units.
Work Smith, TN at the parcel level
Every Smith, TN parcel carries owner and address; every Smith, TN parcel carries APN; Smith, TN distress scores sit on the Smith, TN live board.
Smith, TN figures refresh with each source.
Smith, TN questions
Most distressed ZIP code in Smith County, TN?
ZIP 37090 leads Smith, TN at 30/100; next in Smith, TN: 37184 at 30/100; the Smith, TN average is 20/100.
Where does Smith County, TN rank for investment opportunity?
Smith, TN is #2,621 among all ranked counties, #88 in Tennessee; the Smith, TN driver is vacancy; Smith, TN moved up 100 places.
How many mortgages are delinquent in Smith County, TN?
Smith, TN takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Smith, TN.
Which banks lend in Smith County, TN?
4 watched lenders hold Smith, TN branches; the largest Smith, TN footprints are Citizens Bank (4), Wellworth Bank (2), Wilson Bank&Trust (2).
More on Smith, TN
Smith County, TN distress report: public-record figures for Smith, TN; not legal advice for Smith, TN; not tax or investment advice; verify every Smith, TN record before acting.