Lafayette County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lafayette County, Mississippi? DLRadar grades every Lafayette County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Lafayette County breakdown.
- Lafayette County's most distressed ZIP is 38601 at 15/100.
- 13 ZIP codes tracked in Lafayette County, averaging 14/100 distress.
- Lafayette County reads peak — home values up 3.6% year over year.
- Vacancy runs 19.8% across Lafayette County's tracked ZIPs, with a 17.3% poverty rate.
- The typical Lafayette County home is worth about $180,182 against a ~$57,935 median income.
- Lending headwind in Lafayette County sits at 52/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38601 | 15/100 |
| 2 | 38655 | 15/100 |
| 3 | 38673 | 15/100 |
| 4 | 38677 | 15/100 |
| 5 | 38685 | 15/100 |
| 6 | 38949 | 15/100 |
| 7 | 38619 | 14/100 |
| 8 | 38627 | 14/100 |
| 9 | 38913 | 14/100 |
| 10 | 38606 | 13/100 |
| 11 | 38965 | 13/100 |
| 12 | 38863 | 12/100 |
Most distressed ZIP codes in Lafayette County (composite distress 0-100, 2026)
What is driving Lafayette County distress
Nothing here is estimated: Lafayette County is scored from filings alone, and its ZIPs average 14/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Lafayette County market phase and pricing
The cycle in Lafayette County is peak, with values up 3.6% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Lafayette County
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Questions about this county
Which Lafayette County ZIP scores worst for distress?
ZIP 38601 leads Lafayette County at 15/100, recomputed monthly from public records.
What market phase is Lafayette County in?
Lafayette County reads peak, with home prices up 3.6% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Lafayette County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 13 Lafayette County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Lafayette County ZIP codes?
A county average hides the spread. Across the Lafayette County ZIPs DLRadar ranks, scores run from 15/100 in 38601 down to 12/100 in 38863, against a Lafayette County average of 14/100. That 3-point gap is why acquisition targeting in Lafayette County works at ZIP level rather than county level.
What do Lafayette County home values and vacancy say about distressed supply?
The typical Lafayette County home carries about $180,182 of value against a median household income near $57,935. Vacancy across Lafayette County's tracked ZIPs runs 19.8% and the poverty rate is 17.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Lafayette County's foreclosure and tax-lien record and its 52/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.