Franklin County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Mississippi? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 39661 at 22/100.
- 8 ZIP codes tracked in Franklin County, averaging 11/100 distress.
- Franklin County reads peak — home values up 3.8% year over year.
- Vacancy runs 29.1% across Franklin County's tracked ZIPs, with a 30.5% poverty rate.
- The typical Franklin County home is worth about $116,488 against a ~$42,363 median income.
- Lending headwind in Franklin County sits at 38/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 39661 | 22/100 |
| 2 | 39653 | 13/100 |
| 3 | 39664 | 13/100 |
| 4 | 39630 | 12/100 |
| 5 | 39601 | 11/100 |
| 6 | 39647 | 11/100 |
| 7 | 39668 | 3/100 |
| 8 | 39069 | 2/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
DLRadar builds Franklin County's distress picture only from records anyone can pull; its ZIPs average 11/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Franklin County market phase and pricing
The cycle in Franklin County is peak, with values up 3.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Franklin County
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Frequently asked questions
Where is distress highest inside Franklin County, MS?
ZIP 39661 leads Franklin County at 22/100, recomputed monthly from public records.
What stage of the price cycle is Franklin County at?
The market phase for Franklin County is peak, prices rising 3.8% on the year — derived from the FHFA House Price Index path.
Where does the Franklin County data come from?
Every Franklin 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 8 Franklin County ZIP codes that it runs on every other U.S. county, so Franklin County's numbers are directly comparable to any other market.
How much do distress scores vary between Franklin County ZIP codes?
A single county score papers over real variation. Across the Franklin County ZIPs DLRadar ranks, scores run from 22/100 in 39661 down to 2/100 in 39069, against a Franklin County average of 11/100. Because the gap runs to 20 points, Franklin County rewards ZIP-level precision.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $116,488 of value against a median household income near $42,363. Vacancy across Franklin County's tracked ZIPs runs 29.1% and the poverty rate is 30.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Franklin County's foreclosure and lien data and its 38/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.