Smith County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Smith County, Texas? 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 75647 at 30/100.
- 23 ZIP codes tracked in Smith County, averaging 27/100 distress.
- Smith County reads neutral — home values up 3.0% year over year.
- Vacancy runs 17.5% across Smith County's tracked ZIPs, with a 13.4% poverty rate.
- The typical Smith County home is worth about $209,027 against a ~$70,260 median income.
- Lending headwind in Smith County sits at 35/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 75647 | 30/100 |
| 2 | 75662 | 30/100 |
| 3 | 75701 | 28/100 |
| 4 | 75702 | 28/100 |
| 5 | 75703 | 28/100 |
| 6 | 75704 | 28/100 |
| 7 | 75705 | 28/100 |
| 8 | 75706 | 28/100 |
| 9 | 75707 | 28/100 |
| 10 | 75708 | 28/100 |
| 11 | 75709 | 28/100 |
| 12 | 75711 | 28/100 |
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 27/100 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
The cycle in Smith County is neutral, with values up 3.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Smith County
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Common questions
What is the hardest-hit ZIP in Smith County?
ZIP 75647 leads Smith County at 30/100, recomputed monthly from public records.
Which phase does Smith County sit in right now?
Smith County is classified neutral with a 3.0% year-over-year increase, following the FHFA House Price Index.
Can the Smith County figures be verified?
Every Smith County figure traces to a public source — FHFA House Price Index for the neutral trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 23 Smith County ZIP codes that it runs on every other U.S. county, so Smith County's numbers are directly comparable to any other market.
How much do distress scores vary between Smith County ZIP codes?
Averaging the county conceals how uneven it is. Across the Smith County ZIPs DLRadar ranks, scores run from 30/100 in 75647 down to 28/100 in 75711, against a Smith County average of 27/100. With 2 points between best and worst, county-level targeting in Smith County wastes effort.
What do Smith County home values and vacancy say about distressed supply?
The typical Smith County home carries about $209,027 of value against a median household income near $70,260. Vacancy across Smith County's tracked ZIPs runs 17.5% and the poverty rate is 13.4%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Smith County's foreclosure and tax-lien record and its 35/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.