Madison County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Mississippi? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 39045 at 26/100.
- 12 ZIP codes tracked in Madison County, averaging 23/100 distress.
- Madison County reads peak — home values up 1.9% year over year, 2.2% off peak.
- Vacancy runs 13.9% across Madison County's tracked ZIPs, with a 22.8% poverty rate.
- The typical Madison County home is worth about $174,600 against a ~$65,945 median income.
- Lending headwind in Madison County sits at 40/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 39045 | 26/100 |
| 2 | 39046 | 26/100 |
| 3 | 39071 | 26/100 |
| 4 | 39110 | 26/100 |
| 5 | 39157 | 26/100 |
| 6 | 39174 | 25/100 |
| 7 | 39041 | 24/100 |
| 8 | 39209 | 24/100 |
| 9 | 39213 | 24/100 |
| 10 | 39146 | 18/100 |
| 11 | 39051 | 16/100 |
| 12 | 39079 | 10/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
Madison County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Madison County market phase and pricing
Phase for Madison County: peak (+1.9% YoY, 2.2% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Madison County
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Questions about this county
What is the hardest-hit ZIP in Madison County?
ZIP 39045 leads Madison County at 26/100, recomputed monthly from public records.
Where is Madison County in the housing cycle?
The market phase for Madison County is peak, prices rising 1.9% on the year — derived from the FHFA House Price Index path.
Can the Madison County figures be verified?
Every Madison County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 12 Madison County ZIP codes that it runs on every other U.S. county, so Madison County's numbers are directly comparable to any other market.
How much do distress scores vary between Madison County ZIP codes?
A single county score papers over real variation. Across the Madison County ZIPs DLRadar ranks, scores run from 26/100 in 39045 down to 10/100 in 39079, against a Madison County average of 23/100. With 16 points between best and worst, county-level targeting in Madison County wastes effort.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $174,600 of value against a median household income near $65,945. Vacancy across Madison County's tracked ZIPs runs 13.9% and the poverty rate is 22.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Madison County's foreclosure and tax-lien filings and its 40/100 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.