Carroll County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carroll County, Mississippi? DLRadar grades every Carroll County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Carroll County breakdown.
- Carroll County's most distressed ZIP is 38954 at 18/100.
- 13 ZIP codes tracked in Carroll County, averaging 13/100 distress.
- Carroll County reads peak — home values up 3.6% year over year.
- Vacancy runs 22.7% across Carroll County's tracked ZIPs, with a 25.7% poverty rate.
- The typical Carroll County home is worth about $108,369 against a ~$42,248 median income.
- Lending headwind in Carroll County sits at 0/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38954 | 18/100 |
| 2 | 38930 | 17/100 |
| 3 | 38924 | 14/100 |
| 4 | 39176 | 14/100 |
| 5 | 38967 | 13/100 |
| 6 | 38917 | 12/100 |
| 7 | 38923 | 12/100 |
| 8 | 38943 | 12/100 |
| 9 | 38947 | 12/100 |
| 10 | 39095 | 12/100 |
| 11 | 38901 | 11/100 |
| 12 | 38940 | 11/100 |
Most distressed ZIP codes in Carroll County (composite distress 0-100, 2026)
What is driving Carroll County distress
Carroll County's placement in the national index rests on public filings — a 13/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Carroll County market phase and pricing
The cycle in Carroll County is peak, with values up 3.6% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions about this county
What is the hardest-hit ZIP in Carroll County?
ZIP 38954 leads Carroll County at 18/100, recomputed monthly from public records.
How would you describe the Carroll County market phase?
Carroll County reads peak, with home prices up 3.6% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Carroll County scores?
Every Carroll County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 13 Carroll County ZIP codes that it runs on every other U.S. county, so Carroll County's numbers are directly comparable to any other market.
How much do distress scores vary between Carroll County ZIP codes?
A county average hides the spread. Across the Carroll County ZIPs DLRadar ranks, scores run from 18/100 in 38954 down to 11/100 in 38940, against a Carroll County average of 13/100. Those 7 points separate the ZIPs worth working in Carroll County from the rest.
What do Carroll County home values and vacancy say about distressed supply?
The typical Carroll County home carries about $108,369 of value against a median household income near $42,248. Vacancy across Carroll County's tracked ZIPs runs 22.7% and the poverty rate is 25.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Carroll County's foreclosure and tax-lien record and its 0/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.