Holmes County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Holmes County, MS distress report, 2026: 9 ZIPs scored in Holmes, MS, Holmes, MS average 13/100; the top Holmes, MS ZIP is 38954 at 22/100; Holmes, MS market phase peak, Holmes, MS prices +1.9% year over year.
- Holmes, MS ranks #1,074 nationally (opportunity index); Holmes, MS #32 in Mississippi; Holmes, MS index 30.9.
- Holmes, MS: no CFPB county sample; Holmes, MS metro area reading 1.7%.
- Holmes, MS ZIP phases: 9 peak.
- Holmes, MS residential listings tracked: 5 across 4 ZIPs; Holmes, MS candidate listings 3.
- Holmes, MS HUD assisted properties: 3 with 152 units.
- Holmes, MS lenders on watch: 3; largest Holmes, MS footprint Bankplus (4 branches).
- Holmes, MS most distressed ZIP: 38954 at 22/100.
Holmes, MS figures: DLRadar distress index; Holmes, MS inputs: CFPB, FHFA, HUD, FDIC; Holmes, MS rebuilt as sources refresh.
| Rank | Holmes, MS ZIP | Score |
|---|---|---|
| 1 | 38954 | 22/100 |
| 2 | 39038 | 22/100 |
| 3 | 39146 | 18/100 |
| 4 | 38924 | 13/100 |
| 5 | 39063 | 10/100 |
| 6 | 39079 | 10/100 |
| 7 | 39095 | 10/100 |
| 8 | 39169 | 10/100 |
| 9 | 39192 | 6/100 |
Most distressed Holmes, MS ZIPs (0-100, 2026)
Mortgage delinquency around Holmes, MS
No CFPB county sample covers Holmes, MS; the metro area reading for Holmes, MS (Jackson, MS): 1.7% ninety-plus; Holmes, MS area thirty-to-eighty-nine 4.4% (December 2025, Holmes, MS); Mississippi overall 1.8%.
Opportunity index: Holmes, MS
Holmes, MS index 30.9, Holmes, MS phase watchlist; Holmes, MS primary driver vacancy, Holmes, MS second driver bank institutional. Holmes, MS components: property stress 17.2, foreclosure pressure 18.3, listing discounts 33.4, bank stress 61.8, insurance 0.0; Holmes, MS pulse 35.2; Holmes, MS capital opportunity 24.4; Holmes, MS seven-day change +0.9%.
ZIP market phases inside Holmes, MS
9 Holmes, MS ZIPs carry a price-cycle phase; Holmes, MS ZIPs by phase (Holmes, MS), deepest drawdown first: peak, +1.9% YoY, 2.2% off peak (Holmes, MS): 39063, 39146, 39169; peak, +2.0% YoY, 2.0% off peak (Holmes, MS): 39095; peak, +2.5% YoY, 1.4% off peak (Holmes, MS): 38924; peak, +3.0% YoY, 1.0% off peak (Holmes, MS): 39079; peak, +3.2% YoY, 0.6% off peak (Holmes, MS): 39192; peak, +3.7% YoY, 0.1% off peak (Holmes, MS): 39038; peak, +3.6% YoY, 0.1% off peak (Holmes, MS): 38954.
Residential listings by Holmes, MS ZIP
Holmes, MS ZIPs with the most tracked Holmes, MS residential listings: 39095 4 listings, 2 candidates, bank pressure 59; 38924 1 listings, 1 candidates, bank pressure 62; 39063 0 listings, 0 candidates, bank pressure 56; 39169 0 listings, 0 candidates, bank pressure 56 (Holmes, MS). Holmes, MS totals: 5 listings; Holmes, MS candidates 3; active ZIPs 0.
HUD assisted housing in Holmes, MS
3 assisted properties with 152 units sit in Holmes, MS; largest Holmes, MS properties: Leawood Apts (Lexington) 72 units, 72 assisted; Goodhaven Manor (Goodman) 66 units, 66 assisted; Five Talents (Lexington) 14 units, 13 assisted in Holmes, MS.
Lenders with branches in Holmes, MS
Holmes, MS lenders by branch count: Bankplus (Holmes, MS): stress 61, 4 branches low in Holmes, MS; Bank Of Commerce (Holmes, MS): stress 62, 3 branches low in Holmes, MS; Renasant Bank (Holmes, MS): stress 43, 1 branch low in Holmes, MS.
Vacancy and permits, Holmes, MS
1,438 of 7,595 Holmes, MS housing units are vacant; Holmes, MS permits, twelve months: 6 multifamily units in Holmes, MS, 16 one-to-four unit units.
Work Holmes, MS at the parcel level
Every Holmes, MS parcel carries owner and address; every Holmes, MS parcel carries APN; Holmes, MS distress scores sit on the Holmes, MS live board.
Holmes, MS figures refresh with each source.
Holmes, MS questions
Most distressed ZIP code in Holmes County, MS?
ZIP 38954 leads Holmes, MS at 22/100; next in Holmes, MS: 39038 at 22/100; the Holmes, MS average is 13/100.
Where does Holmes County, MS rank for investment opportunity?
Holmes, MS is #1,074 among all ranked counties, #32 in Mississippi; the Holmes, MS driver is vacancy; Holmes, MS moved down 51 places.
How many mortgages are delinquent in Holmes County, MS?
Holmes, MS takes the metro area reading of 1.7% for December 2025; no CFPB county sample covers Holmes, MS.
Which banks lend in Holmes County, MS?
3 watched lenders hold Holmes, MS branches; the largest Holmes, MS footprints are Bankplus (4), Bank Of Commerce (3), Renasant Bank (1).
More on Holmes, MS
Holmes County, MS distress report: public-record figures for Holmes, MS; not legal advice for Holmes, MS; not tax or investment advice; verify every Holmes, MS record before acting.