Smith County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Smith County, Tennessee? DLRadar grades every Smith County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Smith County breakdown.
- Smith County's most distressed ZIP is 37090 at 30/100.
- 15 ZIP codes tracked in Smith County, averaging 19/100 distress.
- Smith County reads peak — home values up 1.3% year over year.
- Vacancy runs 18.2% across Smith County's tracked ZIPs, with a 11.8% poverty rate.
- The typical Smith County home is worth about $283,093 against a ~$77,749 median income.
- Lending headwind in Smith County sits at 21/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 37090 | 30/100 |
| 2 | 37184 | 29/100 |
| 3 | 37087 | 28/100 |
| 4 | 37012 | 19/100 |
| 5 | 38548 | 18/100 |
| 6 | 37030 | 17/100 |
| 7 | 37145 | 17/100 |
| 8 | 37151 | 17/100 |
| 9 | 38547 | 17/100 |
| 10 | 38552 | 17/100 |
| 11 | 38560 | 17/100 |
| 12 | 38563 | 17/100 |
Most distressed ZIP codes in Smith County (composite distress 0-100, 2026)
What is driving Smith County distress
The Smith County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 19/100 ZIP average. No proprietary or modelled inputs enter the score.
Smith County market phase and pricing
Smith County reads peak — home prices rose 1.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Smith County
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What people ask
Which ZIP code leads Smith County on distress?
ZIP 37090 leads Smith County at 30/100, recomputed monthly from public records.
How would you describe the Smith County market phase?
FHFA price-index movement places Smith County in peak; prices are up 1.3% over twelve months.
Can the Smith County figures be verified?
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?
A county average hides the spread. Across the Smith County ZIPs DLRadar ranks, scores run from 30/100 in 37090 down to 17/100 in 38563, against a Smith County average of 19/100. The 13-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 $283,093 of value against a median household income near $77,749. Vacancy across Smith County's tracked ZIPs runs 18.2% and the poverty rate is 11.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Smith County's foreclosure and tax-lien filings and its 21/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.