Desoto County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Desoto County, MS distress report, 2026: 10 ZIPs scored in Desoto, MS, Desoto, MS average 24/100; the top Desoto, MS ZIP is 38632 at 25/100; Desoto, MS market phase peak, Desoto, MS prices +1.2% year over year.
- Desoto, MS ranks #1,944 nationally (opportunity index); Desoto, MS #64 in Mississippi; Desoto, MS index 27.9.
- Desoto, MS ninety-day mortgage delinquency 1.5% in December 2025; Desoto, MS twelve-month change +0.3%.
- Desoto, MS ZIP phases: 10 peak.
- Desoto, MS residential listings tracked: 158 across 8 ZIPs; Desoto, MS candidate listings 19.
- Desoto, MS HUD assisted properties: 6 with 852 units.
- Desoto, MS lenders on watch: 8; largest Desoto, MS footprint Renasant Bank (6 branches).
- Desoto, MS most distressed ZIP: 38632 at 25/100.
Desoto, MS figures: DLRadar distress index; Desoto, MS inputs: CFPB, FHFA, HUD, FDIC; Desoto, MS rebuilt as sources refresh.
| Rank | Desoto, MS ZIP | Score |
|---|---|---|
| 1 | 38632 | 25/100 |
| 2 | 38637 | 25/100 |
| 3 | 38641 | 25/100 |
| 4 | 38651 | 25/100 |
| 5 | 38654 | 25/100 |
| 6 | 38671 | 25/100 |
| 7 | 38672 | 25/100 |
| 8 | 38680 | 25/100 |
| 9 | 38611 | 19/100 |
| 10 | 38618 | 17/100 |
Most distressed Desoto, MS ZIPs (0-100, 2026)
Mortgage delinquency in Desoto, MS
1.5% of Desoto, MS mortgages were ninety-plus days late (Desoto, MS, December 2025); Desoto, MS thirty-to-eighty-nine days late: 4.0%; Desoto, MS twelve-month change +0.3%; Desoto, MS peak since 2008: 6.4% (January 2010); Mississippi overall 1.8%. Desoto, MS ninety-day series: Dec 24 1.2, Jan 25 1.0, Feb 25 1.0 (Desoto, MS), Mar 25 0.8, Apr 25 0.7, May 25 0.9 (Desoto, MS), Jun 25 1.2, Jul 25 1.4, Aug 25 1.2 (Desoto, MS), Sep 25 1.2, Oct 25 1.2, Nov 25 1.3 (Desoto, MS), Dec 25 1.5.
Opportunity index: Desoto, MS
Desoto, MS index 27.9, Desoto, MS phase weak; Desoto, MS primary driver construction, Desoto, MS second driver bank institutional. Desoto, MS components: property stress 8.4, foreclosure pressure 8.1, listing discounts 40.4, bank stress 54.2, insurance 0.0; Desoto, MS pulse 28.4; Desoto, MS capital opportunity 27.1; Desoto, MS seven-day change +0.3%.
ZIP market phases inside Desoto, MS
10 Desoto, MS ZIPs carry a price-cycle phase; Desoto, MS ZIPs by phase (Desoto, MS), deepest drawdown first: peak, +1.2% YoY (Desoto, MS): 38611, 38618, 38632, 38637, Desoto, MS 38641, 38651, 38654, 38671, Desoto, MS 38672, 38680.
Residential listings by Desoto, MS ZIP
Desoto, MS ZIPs with the most tracked Desoto, MS residential listings: 38654 69 listings, 10 candidates, bank pressure 63; 38671 39 listings, 2 candidates, bank pressure 62; 38672 24 listings, 0 candidates, bank pressure 62; 38632 11 listings, 5 candidates, bank pressure 62 (Desoto, MS); 38637 7 listings, 2 candidates, bank pressure 62; 38680 6 listings, 0 candidates, bank pressure 62; 38651 2 listings, 0 candidates, bank pressure 62; 38641 0 listings, 0 candidates, bank pressure 62. Desoto, MS totals: 158 listings; Desoto, MS candidates 19; active ZIPs 7.
HUD assisted housing in Desoto, MS
6 assisted properties with 852 units sit in Desoto, MS; largest Desoto, MS properties: The Terraces At Southhaven Aka Terrace Park (Southaven) 488 units; South Park Garden Apts. (Southaven) 152 units, 152 assisted; Weatherstone Apartments (Horn Lake) 81 units in Desoto, MS; Coleman Crawford Estates (Hernando) 50 units, 50 assisted; Southern Pines (Horn Lake) 41 units, 40 assisted; Austin Run (Horn Lake) 40 units, 39 assisted.
Lenders with branches in Desoto, MS
Desoto, MS lenders by branch count: Renasant Bank (Desoto, MS): stress 43, 6 branches low in Desoto, MS; Trustmark Bank (Desoto, MS): stress 58, 5 branches low in Desoto, MS; First Security Bank (Desoto, MS): stress 69, 4 branches low in Desoto, MS; Bankplus (Desoto, MS): stress 61, 4 branches low in Desoto, MS; Community Bank Of Ms (Desoto, MS): stress 74, 3 branches low in Desoto, MS; Guaranty Bank&Trust Co (Desoto, MS): stress 64, 3 branches low in Desoto, MS; Citizens Nb Of Meridian (Desoto, MS): stress 58, 3 branches low in Desoto, MS; Planters Bank&Trust Co (Desoto, MS): stress 59, 2 branches low in Desoto, MS.
Vacancy and permits, Desoto, MS
4,451 of 75,437 Desoto, MS housing units are vacant; Desoto, MS permits, twelve months: 0 multifamily units in Desoto, MS, 910 one-to-four unit units.
Work Desoto, MS at the parcel level
Every Desoto, MS parcel carries owner and address; every Desoto, MS parcel carries APN; Desoto, MS distress scores sit on the Desoto, MS live board.
Desoto, MS figures refresh with each source.
Desoto, MS questions
Most distressed ZIP code in Desoto County, MS?
ZIP 38632 leads Desoto, MS at 25/100; next in Desoto, MS: 38637 at 25/100; the Desoto, MS average is 24/100.
Where does Desoto County, MS rank for investment opportunity?
Desoto, MS is #1,944 among all ranked counties, #64 in Mississippi; the Desoto, MS driver is construction; Desoto, MS moved up 696 places.
How many mortgages are delinquent in Desoto County, MS?
1.5% of Desoto, MS mortgages were ninety-plus days late in December 2025; the Desoto, MS peak since 2008 was 6.4%.
Which banks lend in Desoto County, MS?
8 watched lenders hold Desoto, MS branches; the largest Desoto, MS footprints are Renasant Bank (6), Trustmark Bank (5), First Security Bank (4).
More on Desoto, MS
Desoto County, MS distress report: public-record figures for Desoto, MS; not legal advice for Desoto, MS; not tax or investment advice; verify every Desoto, MS record before acting.