Harrison County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harrison County, MS distress report, 2026: 13 ZIPs scored in Harrison, MS, Harrison, MS average 32/100; the top Harrison, MS ZIP is 39501 at 34/100; Harrison, MS market phase neutral, Harrison, MS prices +4.8% year over year.
- Harrison, MS ranks #420 nationally (opportunity index); Harrison, MS #12 in Mississippi; Harrison, MS index 33.9.
- Harrison, MS ninety-day mortgage delinquency 1.0% in December 2025; Harrison, MS twelve-month change -0.3%.
- Harrison, MS ZIP phases: 13 neutral.
- Harrison, MS residential listings tracked: 210 across 11 ZIPs; Harrison, MS candidate listings 53.
- Harrison, MS HUD assisted properties: 15 with 1,501 units.
- Harrison, MS lenders on watch: 7; largest Harrison, MS footprint Peoples Bank Biloxi Ms (12 branches).
- Harrison, MS most distressed ZIP: 39501 at 34/100.
Harrison, MS figures: DLRadar distress index; Harrison, MS inputs: CFPB, FHFA, HUD, FDIC; Harrison, MS rebuilt as sources refresh.
| Rank | Harrison, MS ZIP | Score |
|---|---|---|
| 1 | 39501 | 34/100 |
| 2 | 39503 | 34/100 |
| 3 | 39507 | 34/100 |
| 4 | 39530 | 34/100 |
| 5 | 39531 | 34/100 |
| 6 | 39534 | 34/100 |
| 7 | 39540 | 34/100 |
| 8 | 39560 | 34/100 |
| 9 | 39571 | 34/100 |
| 10 | 39574 | 34/100 |
| 11 | 39532 | 33/100 |
| 12 | 39573 | 25/100 |
Most distressed Harrison, MS ZIPs (0-100, 2026)
Mortgage delinquency in Harrison, MS
1.0% of Harrison, MS mortgages were ninety-plus days late (Harrison, MS, December 2025); Harrison, MS thirty-to-eighty-nine days late: 3.5%; Harrison, MS twelve-month change -0.3%; Harrison, MS peak since 2008: 5.5% (January 2010); Mississippi overall 1.8%. Harrison, MS ninety-day series: Dec 24 1.3, Jan 25 1.2, Feb 25 1.3 (Harrison, MS), Mar 25 1.0, Apr 25 0.9, May 25 0.9 (Harrison, MS), Jun 25 1.4, Jul 25 1.1, Aug 25 1.8 (Harrison, MS), Sep 25 1.2, Oct 25 0.8, Nov 25 0.8 (Harrison, MS), Dec 25 1.0.
Opportunity index: Harrison, MS
Harrison, MS index 33.9, Harrison, MS phase peak_opportunity; Harrison, MS primary driver vacancy, Harrison, MS second driver bank institutional. Harrison, MS components: property stress 23.7, foreclosure pressure 22.3, listing discounts 41.0, bank stress 59.9, insurance 0.0; Harrison, MS pulse 37.0; Harrison, MS capital opportunity 29.3; Harrison, MS seven-day change +0.3%.
ZIP market phases inside Harrison, MS
13 Harrison, MS ZIPs carry a price-cycle phase; Harrison, MS ZIPs by phase (Harrison, MS), deepest drawdown first: neutral, +4.8% YoY, 0.3% off peak (Harrison, MS): 39501, 39503, 39507, 39530, Harrison, MS 39531, 39532, 39534, 39540, Harrison, MS 39560, 39565, 39571, 39574; neutral, +4.6% YoY, 0.3% off peak (Harrison, MS): 39573.
Residential listings by Harrison, MS ZIP
Harrison, MS ZIPs with the most tracked Harrison, MS residential listings: 39503 74 listings, 14 candidates, bank pressure 63; 39532 45 listings, 13 candidates, bank pressure 64; 39531 23 listings, 5 candidates, bank pressure 63; 39507 21 listings, 3 candidates, bank pressure 63 (Harrison, MS); 39501 15 listings, 4 candidates, bank pressure 63; 39530 10 listings, 1 candidates, bank pressure 63; 39540 9 listings, 3 candidates, bank pressure 63; 39574 6 listings, 5 candidates, bank pressure 60. Harrison, MS totals: 210 listings; Harrison, MS candidates 53; active ZIPs 0.
HUD assisted housing in Harrison, MS
15 assisted properties with 1,501 units sit in Harrison, MS; largest Harrison, MS properties: Cypress Lake Apartments (Biloxi) 240 units; Gulf Mist Apartments (Gulfport) 188 units, 188 assisted; Hidden Oaks Apartments (Biloxi) 180 units in Harrison, MS; Crown Hill I (Gulfport) 118 units; Thorton Hill (Gulfport) 118 units; The Oaks (Gulfport) 105 units.
Lenders with branches in Harrison, MS
Harrison, MS lenders by branch count: Peoples Bank Biloxi Ms (Harrison, MS): stress 66, 12 branches low in Harrison, MS; Hancock Whitney Bank (Harrison, MS): stress 64, 11 branches low in Harrison, MS; Renasant Bank (Harrison, MS): stress 43, 6 branches low in Harrison, MS; Community Bank Of Ms (Harrison, MS): stress 74, 5 branches low in Harrison, MS; Citizens Bk Philadelphia Ms (Harrison, MS): stress 85, 2 branches low in Harrison, MS; Trustmark Bank (Harrison, MS): stress 58, 2 branches low in Harrison, MS; Bankplus (Harrison, MS): stress 61, 1 branch low in Harrison, MS.
Vacancy and permits, Harrison, MS
11,540 of 94,898 Harrison, MS housing units are vacant; Harrison, MS permits, twelve months: 238 multifamily units in Harrison, MS, 1,942 one-to-four unit units.
Work Harrison, MS at the parcel level
Every Harrison, MS parcel carries owner and address; every Harrison, MS parcel carries APN; Harrison, MS distress scores sit on the Harrison, MS live board.
Harrison, MS figures refresh with each source.
Harrison, MS questions
Most distressed ZIP code in Harrison County, MS?
ZIP 39501 leads Harrison, MS at 34/100; next in Harrison, MS: 39503 at 34/100; the Harrison, MS average is 32/100.
Where does Harrison County, MS rank for investment opportunity?
Harrison, MS is #420 among all ranked counties, #12 in Mississippi; the Harrison, MS driver is vacancy; Harrison, MS moved up 374 places.
How many mortgages are delinquent in Harrison County, MS?
1.0% of Harrison, MS mortgages were ninety-plus days late in December 2025; the Harrison, MS peak since 2008 was 5.5%.
Which banks lend in Harrison County, MS?
7 watched lenders hold Harrison, MS branches; the largest Harrison, MS footprints are Peoples Bank Biloxi Ms (12), Hancock Whitney Bank (11), Renasant Bank (6).
More on Harrison, MS
Harrison County, MS distress report: public-record figures for Harrison, MS; not legal advice for Harrison, MS; not tax or investment advice; verify every Harrison, MS record before acting.