ZIP 75703 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 75703 (Smith County, Texas) returns a low composite of 28/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (86/100), climate & FEMA risk (83/100). Its heaviest discrete signals: structural risk (62/100), institutional ownership (48/100), construction/permit lag (37/100). On the quiet end sit construction/permit lag (37/100) and mortgage stress (22/100). Latent structural risk is 62/100 while live distress already moving reads 6/100.

The neutral-phase market in 75703 posted values that rose 3.0% over the year, and 8% higher over three years, at 17/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 20,844 housing units. About 43% have a four-year degree. Vacancy runs 14.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $76,347, near the U.S. median near $78,000. A median home runs $336,300 here, or 4.1 times local income. 8.4% of residents fall below the poverty threshold. The tenure split is 56% owner-occupied to 44% rented. Rent burden reaches 37% of tenant households. Population is roughly 44,912 with a median age of 38. The demographic-stress sub-score lands at 32/100.

Net-net, 75703 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 75703 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 75703 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 75703 reflects the current record instead of a stale or modeled snapshot.

The 28/100 figure for 75703 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 75703 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.