Smith County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Smith County, TX distress report, 2026: 23 ZIPs scored in Smith, TX, Smith, TX average 26/100; the top Smith, TX ZIP is 75647 at 30/100; Smith, TX market phase neutral, Smith, TX prices +3.0% year over year.
- Smith, TX ranks #768 nationally (opportunity index); Smith, TX #91 in Texas; Smith, TX index 32.1.
- Smith, TX ninety-day mortgage delinquency 1.3% in December 2025; Smith, TX twelve-month change +0.6%.
- Smith, TX ZIP phases: 15 neutral, 5 peak, 3 recovery.
- Smith, TX residential listings tracked: 128 across 15 ZIPs; Smith, TX candidate listings 49.
- Smith, TX HUD assisted properties: 15 with 1,707 units.
- Smith, TX lenders on watch: 8; largest Smith, TX footprint Southside Bank (21 branches).
- Smith, TX most distressed ZIP: 75647 at 30/100.
Smith, TX figures: DLRadar distress index; Smith, TX inputs: CFPB, FHFA, HUD, FDIC; Smith, TX rebuilt as sources refresh.
| Rank | Smith, TX ZIP | Score |
|---|---|---|
| 1 | 75647 | 30/100 |
| 2 | 75662 | 30/100 |
| 3 | 75701 | 27/100 |
| 4 | 75702 | 27/100 |
| 5 | 75703 | 27/100 |
| 6 | 75704 | 27/100 |
| 7 | 75705 | 27/100 |
| 8 | 75706 | 27/100 |
| 9 | 75707 | 27/100 |
| 10 | 75708 | 27/100 |
| 11 | 75709 | 27/100 |
| 12 | 75711 | 27/100 |
Most distressed Smith, TX ZIPs (0-100, 2026)
Mortgage delinquency in Smith, TX
1.3% of Smith, TX mortgages were ninety-plus days late (Smith, TX, December 2025); Smith, TX thirty-to-eighty-nine days late: 3.3%; Smith, TX twelve-month change +0.6%; Smith, TX peak since 2008: 2.7% (September 2009); Texas overall 1.2%. Smith, TX ninety-day series: Dec 24 0.7, Jan 25 0.8, Feb 25 0.6 (Smith, TX), Mar 25 0.5, Apr 25 0.7, May 25 0.8 (Smith, TX), Jun 25 1.0, Jul 25 1.0, Aug 25 1.2 (Smith, TX), Sep 25 1.2, Oct 25 1.2, Nov 25 0.7 (Smith, TX), Dec 25 1.3.
Opportunity index: Smith, TX
Smith, TX index 32.1, Smith, TX phase watchlist; Smith, TX primary driver vacancy, Smith, TX second driver bank institutional. Smith, TX components: property stress 21.9, foreclosure pressure 23.5, listing discounts 39.6, bank stress 52.4, insurance 0.0; Smith, TX pulse 33.7; Smith, TX capital opportunity 29.8; Smith, TX seven-day change -0.1%.
ZIP market phases inside Smith, TX
23 Smith, TX ZIPs carry a price-cycle phase; Smith, TX ZIPs by phase (Smith, TX), deepest drawdown first: peak, +2.0% YoY (Smith, TX): 75140; recovery, +2.9% YoY (Smith, TX): 75647; recovery, +2.8% YoY (Smith, TX): 75662, 75684; neutral, +3.0% YoY (Smith, TX): 75701, 75702, 75703, 75704, Smith, TX 75705, 75706, 75707, 75708, Smith, TX 75709, 75711, 75750; peak, +1.6% YoY (Smith, TX): 75757.
Residential listings by Smith, TX ZIP
Smith, TX ZIPs with the most tracked Smith, TX residential listings: 75771 27 listings, 9 candidates, bank pressure 58; 75701 20 listings, 14 candidates, bank pressure 58; 75792 19 listings, 6 candidates, bank pressure 58; 75703 13 listings, 8 candidates, bank pressure 58 (Smith, TX); 75702 9 listings, 3 candidates, bank pressure 58; 75707 7 listings, 0 candidates, bank pressure 58; 75762 6 listings, 2 candidates, bank pressure 58; 75791 6 listings, 2 candidates, bank pressure 58. Smith, TX totals: 128 listings; Smith, TX candidates 49; active ZIPs 3.
HUD assisted housing in Smith, TX
15 assisted properties with 1,707 units sit in Smith, TX; largest Smith, TX properties: The Madison (Tyler) 256 units; Southwest Pines Apartments (Tyler) 248 units; Auberge Of Tyler (Tyler) 234 units in Smith, TX; The Palomar (Tyler) 216 units; Rose Valley (Tyler) 160 units, 160 assisted; Victory Park (Tyler) 120 units, 120 assisted.
Lenders with branches in Smith, TX
Smith, TX lenders by branch count: Southside Bank (Smith, TX): stress 55, 21 branches low in Smith, TX; Austin Bank Texas Na (Smith, TX): stress 31, 10 branches low in Smith, TX; American State Bank (Smith, TX): stress 82, 5 branches moderate in Smith, TX; Texas Bank&Trust Co (Smith, TX): stress 50, 5 branches low in Smith, TX; Texas Nb Of Jacksonville (Smith, TX): stress 90, 4 branches moderate in Smith, TX; First National Bank Texas (Smith, TX): stress 77, 3 branches moderate in Smith, TX; Verabank National Assn (Smith, TX): stress 53, 3 branches low in Smith, TX; Prosperity Bank (Smith, TX): stress 33, 3 branches low in Smith, TX.
Vacancy and permits, Smith, TX
16,539 of 99,673 Smith, TX housing units are vacant; Smith, TX permits, twelve months: 24 multifamily units in Smith, TX, 605 one-to-four unit units.
Work Smith, TX at the parcel level
Every Smith, TX parcel carries owner and address; every Smith, TX parcel carries APN; Smith, TX distress scores sit on the Smith, TX live board.
Smith, TX figures refresh with each source.
Smith, TX questions
Most distressed ZIP code in Smith County, TX?
ZIP 75647 leads Smith, TX at 30/100; next in Smith, TX: 75662 at 30/100; the Smith, TX average is 26/100.
Where does Smith County, TX rank for investment opportunity?
Smith, TX is #768 among all ranked counties, #91 in Texas; the Smith, TX driver is vacancy; Smith, TX moved up 587 places.
How many mortgages are delinquent in Smith County, TX?
1.3% of Smith, TX mortgages were ninety-plus days late in December 2025; the Smith, TX peak since 2008 was 2.7%.
Which banks lend in Smith County, TX?
8 watched lenders hold Smith, TX branches; the largest Smith, TX footprints are Southside Bank (21), Austin Bank Texas Na (10), American State Bank (5).
More on Smith, TX
Smith County, TX distress report: public-record figures for Smith, TX; not legal advice for Smith, TX; not tax or investment advice; verify every Smith, TX record before acting.