Holmes County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Holmes County, Mississippi? DLRadar grades every Holmes County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Holmes County breakdown.
- Holmes County's most distressed ZIP is 38954 at 18/100.
- 9 ZIP codes tracked in Holmes County, averaging 13/100 distress.
- Holmes County reads peak — home values up 1.9% year over year, 2.2% off peak.
- Vacancy runs 23.1% across Holmes County's tracked ZIPs, with a 31.4% poverty rate.
- The typical Holmes County home is worth about $83,522 against a ~$34,534 median income.
- Lending headwind in Holmes County sits at 0/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38954 | 18/100 |
| 2 | 39038 | 18/100 |
| 3 | 39146 | 18/100 |
| 4 | 38924 | 14/100 |
| 5 | 39095 | 12/100 |
| 6 | 39063 | 11/100 |
| 7 | 39169 | 11/100 |
| 8 | 39079 | 10/100 |
| 9 | 39192 | 8/100 |
Most distressed ZIP codes in Holmes County (composite distress 0-100, 2026)
What is driving Holmes County distress
Nothing here is estimated: Holmes County is scored from filings alone, and its ZIPs average 13/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Holmes County market phase and pricing
Holmes County reads peak — home prices rose 1.9% over the last year and are 2.2% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Holmes County
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Frequently asked questions
Where is distress highest inside Holmes County, MS?
ZIP 38954 leads Holmes County at 18/100, recomputed monthly from public records.
Which phase does Holmes County sit in right now?
Holmes County currently sits in peak, with values up 1.9% year on year, based on FHFA price-index trajectory.
Where does the Holmes County data come from?
Holmes County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 9 ZIPs are comparable to anywhere else.
How much do distress scores vary between Holmes County ZIP codes?
The county figure is a blend, not a description. Across the Holmes County ZIPs DLRadar ranks, scores run from 18/100 in 38954 down to 8/100 in 39192, against a Holmes County average of 13/100. A spread of 10 points means Holmes County has to be worked ZIP by ZIP.
What do Holmes County home values and vacancy say about distressed supply?
The typical Holmes County home carries about $83,522 of value against a median household income near $34,534. Vacancy across Holmes County's tracked ZIPs runs 23.1% and the poverty rate is 31.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Holmes County's foreclosure and lien filings and its 0/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.