ZIP 75704 Property Distress & Foreclosure Data

In Smith County, Texas, ZIP 75704 scores 31 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (70/100), construction/permit lag (65/100), institutional ownership (52/100). mortgage stress (22/100) stay muted. On the structural side it scores 70/100, with 6/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (86/100), climate & FEMA risk (83/100).

Prices here sit in a peak phase: values rose 1.7% over the trailing year, and 17% higher over three years (phase confidence 15/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 25.6% — elevated. The poverty rate is 15.5%. Around 68% of renters are cost-burdened. The demographic-stress sub-score lands at 35/100. 80% of housing is owner-occupied. 9,280 residents call 75704 home, typically aged 42. At $52,892, median income runs below typical U.S. levels. The typical home is worth about $154,600 (2.6× income, relatively affordable). Around 16% of adults hold a bachelor's degree or higher. The ZIP holds roughly 4,164 housing units.

Taken together, 75704 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.