Carroll County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carroll County, MS distress report, 2026: 13 ZIPs scored in Carroll, MS, Carroll, MS average 13/100; the top Carroll, MS ZIP is 38954 at 22/100; Carroll, MS market phase peak, Carroll, MS prices +3.6% year over year.
- Carroll, MS ranks #852 nationally (opportunity index); Carroll, MS #27 in Mississippi; Carroll, MS index 31.8.
- Carroll, MS: no CFPB county sample; Carroll, MS non-metro area reading 1.8%.
- Carroll, MS ZIP phases: 13 peak.
- Carroll, MS residential listings tracked: 2 across 5 ZIPs; Carroll, MS candidate listings 1.
- Carroll, MS lenders on watch: 1; largest Carroll, MS footprint Bank Of Commerce (2 branches).
- Carroll, MS most distressed ZIP: 38954 at 22/100.
Carroll, MS figures: DLRadar distress index; Carroll, MS inputs: CFPB, FHFA, HUD, FDIC; Carroll, MS rebuilt as sources refresh.
| Rank | Carroll, MS ZIP | Score |
|---|---|---|
| 1 | 38954 | 22/100 |
| 2 | 38930 | 20/100 |
| 3 | 38924 | 13/100 |
| 4 | 38967 | 13/100 |
| 5 | 39176 | 13/100 |
| 6 | 38901 | 12/100 |
| 7 | 38917 | 12/100 |
| 8 | 38923 | 12/100 |
| 9 | 38943 | 12/100 |
| 10 | 38947 | 12/100 |
| 11 | 38940 | 11/100 |
| 12 | 39095 | 10/100 |
Most distressed Carroll, MS ZIPs (0-100, 2026)
Mortgage delinquency around Carroll, MS
No CFPB county sample covers Carroll, MS; the non-metro area reading for Carroll, MS: 1.8% ninety-plus; Carroll, MS area thirty-to-eighty-nine 5.9% (December 2025, Carroll, MS); Mississippi overall 1.8%.
Opportunity index: Carroll, MS
Carroll, MS index 31.8, Carroll, MS phase watchlist; Carroll, MS primary driver vacancy, Carroll, MS second driver bank institutional. Carroll, MS components: property stress 24.0, foreclosure pressure 26.1, listing discounts 29.9, bank stress 53.1, insurance 0.0; Carroll, MS pulse 35.6; Carroll, MS capital opportunity 26.1; Carroll, MS seven-day change +0.3%.
ZIP market phases inside Carroll, MS
13 Carroll, MS ZIPs carry a price-cycle phase; Carroll, MS ZIPs by phase (Carroll, MS), deepest drawdown first: peak, +2.0% YoY, 2.0% off peak (Carroll, MS): 39095; peak, +2.5% YoY, 1.4% off peak (Carroll, MS): 38924; peak, +3.2% YoY, 0.6% off peak (Carroll, MS): 39192; peak, +3.6% YoY, 0.1% off peak (Carroll, MS): 38954; peak, +3.6% YoY (Carroll, MS): 38901, 38917, 38923, 38930, Carroll, MS 38940, 38943, 38947, 38967, Carroll, MS 39176.
Residential listings by Carroll, MS ZIP
Carroll, MS ZIPs with the most tracked Carroll, MS residential listings: 38917 1 listings, 1 candidates, bank pressure 62; 39176 1 listings, 0 candidates, bank pressure 61; 38923 0 listings, 0 candidates, bank pressure 62; 38943 0 listings, 0 candidates, bank pressure 62 (Carroll, MS); 38947 0 listings, 0 candidates, bank pressure 62. Carroll, MS totals: 2 listings; Carroll, MS candidates 1; active ZIPs 1.
Lenders with branches in Carroll, MS
Carroll, MS lenders by branch count: Bank Of Commerce (Carroll, MS): stress 62, 2 branches low in Carroll, MS.
Vacancy and permits, Carroll, MS
706 of 4,964 Carroll, MS housing units are vacant.
Work Carroll, MS at the parcel level
Every Carroll, MS parcel carries owner and address; every Carroll, MS parcel carries APN; Carroll, MS distress scores sit on the Carroll, MS live board.
Carroll, MS figures refresh with each source.
Carroll, MS questions
Most distressed ZIP code in Carroll County, MS?
ZIP 38954 leads Carroll, MS at 22/100; next in Carroll, MS: 38930 at 20/100; the Carroll, MS average is 13/100.
Where does Carroll County, MS rank for investment opportunity?
Carroll, MS is #852 among all ranked counties, #27 in Mississippi; the Carroll, MS driver is vacancy; Carroll, MS moved up 171 places.
How many mortgages are delinquent in Carroll County, MS?
Carroll, MS takes the non-metro area reading of 1.8% for December 2025; no CFPB county sample covers Carroll, MS.
Which banks lend in Carroll County, MS?
1 watched lenders hold Carroll, MS branches; the largest Carroll, MS footprints are Bank Of Commerce (2).
More on Carroll, MS
Carroll County, MS distress report: public-record figures for Carroll, MS; not legal advice for Carroll, MS; not tax or investment advice; verify every Carroll, MS record before acting.