Lafayette County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lafayette County, MS distress report, 2026: 13 ZIPs scored in Lafayette, MS, Lafayette, MS average 14/100; the top Lafayette, MS ZIP is 38685 at 17/100; Lafayette, MS market phase peak, Lafayette, MS prices +3.6% year over year.
- Lafayette, MS ranks #1,660 nationally (opportunity index); Lafayette, MS #57 in Mississippi; Lafayette, MS index 28.9.
- Lafayette, MS: no CFPB county sample; Lafayette, MS non-metro area reading 1.8%.
- Lafayette, MS ZIP phases: 13 peak.
- Lafayette, MS residential listings tracked: 63 across 6 ZIPs; Lafayette, MS candidate listings 6.
- Lafayette, MS HUD assisted properties: 2 with 124 units.
- Lafayette, MS lenders on watch: 8; largest Lafayette, MS footprint Fnb Oxford Bank (4 branches).
- Lafayette, MS most distressed ZIP: 38685 at 17/100.
Lafayette, MS figures: DLRadar distress index; Lafayette, MS inputs: CFPB, FHFA, HUD, FDIC; Lafayette, MS rebuilt as sources refresh.
| Rank | Lafayette, MS ZIP | Score |
|---|---|---|
| 1 | 38685 | 17/100 |
| 2 | 38601 | 15/100 |
| 3 | 38655 | 15/100 |
| 4 | 38673 | 15/100 |
| 5 | 38677 | 15/100 |
| 6 | 38949 | 15/100 |
| 7 | 38619 | 14/100 |
| 8 | 38627 | 14/100 |
| 9 | 38913 | 14/100 |
| 10 | 38965 | 13/100 |
| 11 | 38863 | 12/100 |
| 12 | 38871 | 12/100 |
Most distressed Lafayette, MS ZIPs (0-100, 2026)
Mortgage delinquency around Lafayette, MS
No CFPB county sample covers Lafayette, MS; the non-metro area reading for Lafayette, MS: 1.8% ninety-plus; Lafayette, MS area thirty-to-eighty-nine 5.9% (December 2025, Lafayette, MS); Mississippi overall 1.8%.
Opportunity index: Lafayette, MS
Lafayette, MS index 28.9, Lafayette, MS phase early_signal; Lafayette, MS primary driver vacancy, Lafayette, MS second driver bank institutional. Lafayette, MS components: property stress 19.6, foreclosure pressure 22.4, listing discounts 21.9, bank stress 53.2, insurance 0.0; Lafayette, MS pulse 33.4; Lafayette, MS capital opportunity 22.1; Lafayette, MS seven-day change +0.9%.
ZIP market phases inside Lafayette, MS
13 Lafayette, MS ZIPs carry a price-cycle phase; Lafayette, MS ZIPs by phase (Lafayette, MS), deepest drawdown first: peak, +3.6% YoY (Lafayette, MS): 38601, 38619, 38655, 38673, Lafayette, MS 38677, 38949, 38965; peak, +3.8% YoY (Lafayette, MS): 38606, 38863, 38871, 38913; peak, +3.7% YoY (Lafayette, MS): 38627; peak, +1.3% YoY (Lafayette, MS): 38685.
Residential listings by Lafayette, MS ZIP
Lafayette, MS ZIPs with the most tracked Lafayette, MS residential listings: 38655 58 listings, 4 candidates, bank pressure 62; 38601 2 listings, 0 candidates, bank pressure 62; 38627 2 listings, 2 candidates, bank pressure 62; 38949 1 listings, 0 candidates, bank pressure 62 (Lafayette, MS); 38673 0 listings, 0 candidates, bank pressure 62; 38677 0 listings, 0 candidates, bank pressure 62. Lafayette, MS totals: 63 listings; Lafayette, MS candidates 6; active ZIPs 2.
HUD assisted housing in Lafayette, MS
2 assisted properties with 124 units sit in Lafayette, MS; largest Lafayette, MS properties: Riverside Place (Oxford) 100 units; Canterbury Crest (Oxford) 24 units, 23 assisted.
Lenders with branches in Lafayette, MS
Lafayette, MS lenders by branch count: Fnb Oxford Bank (Lafayette, MS): stress 70, 4 branches low in Lafayette, MS; Guaranty Bank&Trust Co (Lafayette, MS): stress 64, 4 branches low in Lafayette, MS; Bankfirst Financial Services (Lafayette, MS): stress 57, 3 branches low in Lafayette, MS; Renasant Bank (Lafayette, MS): stress 43, 3 branches low in Lafayette, MS; First Nb Of Clarksdale (Lafayette, MS): stress 74, 2 branches low in Lafayette, MS; Trustmark Bank (Lafayette, MS): stress 58, 2 branches low in Lafayette, MS; Citizens Bk Philadelphia Ms (Lafayette, MS): stress 85, 1 branch low in Lafayette, MS; Story Bk Dba Story Finl Part (Lafayette, MS): stress 71, 1 branch low in Lafayette, MS.
Vacancy and permits, Lafayette, MS
9,670 of 28,714 Lafayette, MS housing units are vacant; Lafayette, MS permits, twelve months: 29 multifamily units in Lafayette, MS, 501 one-to-four unit units.
Work Lafayette, MS at the parcel level
Every Lafayette, MS parcel carries owner and address; every Lafayette, MS parcel carries APN; Lafayette, MS distress scores sit on the Lafayette, MS live board.
Lafayette, MS figures refresh with each source.
Lafayette, MS questions
Most distressed ZIP code in Lafayette County, MS?
ZIP 38685 leads Lafayette, MS at 17/100; next in Lafayette, MS: 38601 at 15/100; the Lafayette, MS average is 14/100.
Where does Lafayette County, MS rank for investment opportunity?
Lafayette, MS is #1,660 among all ranked counties, #57 in Mississippi; the Lafayette, MS driver is vacancy; Lafayette, MS moved down 110 places.
How many mortgages are delinquent in Lafayette County, MS?
Lafayette, MS takes the non-metro area reading of 1.8% for December 2025; no CFPB county sample covers Lafayette, MS.
Which banks lend in Lafayette County, MS?
8 watched lenders hold Lafayette, MS branches; the largest Lafayette, MS footprints are Fnb Oxford Bank (4), Guaranty Bank&Trust Co (4), Bankfirst Financial Services (3).
More on Lafayette, MS
Lafayette County, MS distress report: public-record figures for Lafayette, MS; not legal advice for Lafayette, MS; not tax or investment advice; verify every Lafayette, MS record before acting.