Desoto County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Desoto County, Mississippi? DLRadar grades every Desoto County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Desoto County breakdown.
- Desoto County's most distressed ZIP is 38632 at 26/100.
- 10 ZIP codes tracked in Desoto County, averaging 24/100 distress.
- Desoto County reads peak — home values up 1.2% year over year.
- Vacancy runs 8.2% across Desoto County's tracked ZIPs, with a 12.2% poverty rate.
- The typical Desoto County home is worth about $248,330 against a ~$80,046 median income.
- Lending headwind in Desoto County sits at 43/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38632 | 26/100 |
| 2 | 38637 | 26/100 |
| 3 | 38641 | 26/100 |
| 4 | 38651 | 26/100 |
| 5 | 38654 | 26/100 |
| 6 | 38671 | 26/100 |
| 7 | 38672 | 26/100 |
| 8 | 38680 | 26/100 |
| 9 | 38611 | 18/100 |
| 10 | 38618 | 18/100 |
Most distressed ZIP codes in Desoto County (composite distress 0-100, 2026)
What is driving Desoto County distress
Desoto County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Desoto County market phase and pricing
Desoto County reads peak — home prices rose 1.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Desoto County
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Common questions
Which part of Desoto County, MS scores highest for distress?
ZIP 38632 leads Desoto County at 26/100, recomputed monthly from public records.
Is Desoto County expanding or contracting?
FHFA price-index movement places Desoto County in peak; prices are up 1.2% over twelve months.
What is this Desoto County analysis built from?
Every Desoto 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 10 Desoto County ZIP codes that it runs on every other U.S. county, so Desoto County's numbers are directly comparable to any other market.
How much do distress scores vary between Desoto County ZIP codes?
Averaging the county conceals how uneven it is. Across the Desoto County ZIPs DLRadar ranks, scores run from 26/100 in 38632 down to 18/100 in 38618, against a Desoto County average of 24/100. That 8-point gap is why acquisition targeting in Desoto County works at ZIP level rather than county level.
What do Desoto County home values and vacancy say about distressed supply?
The typical Desoto County home carries about $248,330 of value against a median household income near $80,046. Vacancy across Desoto County's tracked ZIPs runs 8.2% and the poverty rate is 12.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Desoto County's foreclosure and tax-lien filings and its 43/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.