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

Smith County, TX, Texas: 23 ZIP codes scored, Smith County, TX averaging 26/100 (low, Smith, TX), from 17 to 29. Smith County, TX is in its neutral phase (Smith, TX confidence 17/100): Smith, TX home prices up 3.0% (Smith, TX) over twelve months. Smith County, TX lender headwind: 35/100.

Highest-scoring Smith County, TX ZIPs: 75647 (29/100), 75662 (29/100), 75701 (27/100), 75702 (27/100), 75703 (27/100), 75704 (27/100). Also scored in Smith County, TX: 75705, 75706, 75707, 75708, 75709, 75711, 75750, 75762, 75771, 75791.

Across Smith County, TX's scored ZIPs: median home value $209,027, household income $70,260, 17.5% vacancy, 13.4% poverty, 74% owner-occupied, median age 37.7.

Smith County, TX insurance distress 66/100 (#757 in the US); FEMA hazard 52/100 for Smith, TX; 2 federal disaster declarations in Smith County, TX since 2023 (2 flood); 19 Smith, TX NFIP flood claims, $576K paid; Smith, TX construction distress 25/100.

28 banks with 89 branches lend in Smith County, TX; Smith, TX weighted bank stress 57/100, highest 90/100 in Smith, TX.

Smith County, TX unemployment 4.2% (Smith, TX +0.1 pts, six months); 629 new housing units permitted in Smith County, TX over twelve months, Smith, TX up 26% from 498; Smith, TX home prices +9.1% a year (Smith, TX) over three years.

99,673 housing units in Smith County, TX; 25,074 Smith, TX renter households; 43% of Smith, TX renters spend 30%+ of income on rent, 20% (Smith, TX) half or more.

Smith County, TX ranks #768 nationally on the opportunity index (Smith, TX, among all ranked counties); Smith, TX scores 32.1/100 and Smith, TX sits #91 inside Texas. Smith, TX is in the watchlist opportunity phase; Smith, TX's primary driver is vacancy, Smith, TX second driver bank institutional; Smith, TX moved up 587 places. 14 short-sale listings across Smith, TX; 88 days on market observed in Smith, TX; 17.0% vacancy over 23 Smith, TX ZIPs.

1.3% of Smith County, TX mortgages were ninety-plus days late in December 2025; Smith, TX's thirty-to-eighty-nine-day share was 3.3% (CFPB county sample). Smith, TX's ninety-day rate is up 0.6 points on twelve months earlier; the Smith, TX peak since 2008 was 2.7% in September 2009; Texas overall reads 1.2%.

Smith County, TX has 18 watched banks; 18 Smith, TX banks sit in an elevated band. Smith, TX footprints: Southside Bank (21 branches, stress 55) in Smith, TX; Austin Bank Texas Na (10 branches, stress 31) in Smith, TX; American State Bank (5 branches, stress 82) in Smith, TX.

HUD lists 15 assisted multifamily properties in Smith County, TX with 1,707 units; 401 Smith, TX units are assisted, 2 Smith, TX properties under project-based Section 8.

16,539 of the 99,673 housing units in Smith, TX sit vacant. Smith County, TX permitted 24 multifamily units in twelve months; Smith, TX's one-to-four unit structures added 605 units in Smith County, TX.