Smith County, TN: Foreclosures, Tax Liens & Distressed Properties

Smith County, TN, Tennessee: 15 ZIP codes scored, Smith County, TN averaging 20/100 (low, Smith, TN), from 14 to 30. Smith County, TN is in its peak phase (Smith, TN confidence 18/100): Smith, TN home prices up 1.3% (Smith, TN) over twelve months. Smith County, TN lender headwind: 21/100.

Highest-scoring Smith County, TN ZIPs: 37090 (30/100), 37184 (30/100), 37087 (28/100), 38548 (22/100), 37012 (19/100), 37030 (17/100). Also scored in Smith County, TN: 37145, 37151, 38547, 38552, 38560, 38563, 38567, 38569, 37057.

Across Smith County, TN's scored ZIPs: median home value $283,093, household income $77,749, 18.2% vacancy, 11.8% poverty, 79% owner-occupied, median age 42.3.

Smith County, TN insurance distress 59/100 (#914 in the US); FEMA hazard 59/100 for Smith, TN; 12 federal disaster declarations in Smith County, TN since 2023; 2 Smith, TN NFIP flood claims, $17K paid; Smith, TN construction distress 36/100.

4 banks with 9 branches lend in Smith County, TN; Smith, TN weighted bank stress 52/100, highest 70/100 in Smith, TN.

Smith County, TN unemployment 3.2% (Smith, TN -0.3 pts, six months); 146 new housing units permitted in Smith County, TN over twelve months, Smith, TN up 17% from 125; Smith, TN home prices +9.7% a year (Smith, TN) over three years.

8,752 housing units in Smith County, TN; 1,870 Smith, TN renter households; 28% of Smith, TN renters spend 30%+ of income on rent, 18% (Smith, TN) half or more.

Smith County, TN ranks #2,705 nationally on the opportunity index (Smith, TN, among all ranked counties); Smith, TN scores 24.9/100 and Smith, TN sits #88 inside Tennessee. Smith, TN is in the weak opportunity phase; Smith, TN's primary driver is vacancy, Smith, TN second driver bank institutional; Smith, TN moved up 44 places. 12 short-sale listings across Smith, TN; 63 days on market observed in Smith, TN; 10.5% vacancy over 15 Smith, TN ZIPs.

No CFPB county sample covers Smith County, TN. The metro area reading for Smith, TN (Nashville-Davidson--Murfreesboro--Franklin, TN): 0.8% ninety-plus days late; Smith, TN's thirty-to-eighty-nine share is 1.7% (Smith, TN, December 2025 data); Tennessee overall 0.9%.

Smith County, TN has 4 watched banks; 4 Smith, TN banks sit in an elevated band. Smith, TN footprints: Citizens Bank (4 branches, stress 37) in Smith, TN; Wellworth Bank (2 branches, stress 65) in Smith, TN; Wilson Bank&Trust (2 branches, stress 61) in Smith, TN.

HUD lists 1 assisted multifamily property in Smith County, TN with 14 units; 14 Smith, TN units are assisted.

820 of the 8,752 housing units in Smith, TN sit vacant. Smith County, TN permitted 0 multifamily units in twelve months; Smith, TN's one-to-four unit structures added 146 units in Smith County, TN.