Madison County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, MS distress report, 2026: 12 ZIPs scored in Madison, MS, Madison, MS average 23/100; the top Madison, MS ZIP is 39071 at 27/100; Madison, MS market phase peak, Madison, MS prices +1.9% year over year.
- Madison, MS ranks #1,586 nationally (opportunity index); Madison, MS #49 in Mississippi; Madison, MS index 29.1.
- Madison, MS ninety-day mortgage delinquency 1.5% in December 2025; Madison, MS twelve-month change +0.6%.
- Madison, MS ZIP phases: 12 peak.
- Madison, MS residential listings tracked: 58 across 7 ZIPs; Madison, MS candidate listings 20.
- Madison, MS HUD assisted properties: 3 with 258 units.
- Madison, MS lenders on watch: 8; largest Madison, MS footprint Bankplus (7 branches).
- Madison, MS most distressed ZIP: 39071 at 27/100.
Madison, MS figures: DLRadar distress index; Madison, MS inputs: CFPB, FHFA, HUD, FDIC; Madison, MS rebuilt as sources refresh.
| Rank | Madison, MS ZIP | Score |
|---|---|---|
| 1 | 39071 | 27/100 |
| 2 | 39045 | 26/100 |
| 3 | 39046 | 26/100 |
| 4 | 39110 | 26/100 |
| 5 | 39157 | 26/100 |
| 6 | 39041 | 25/100 |
| 7 | 39174 | 25/100 |
| 8 | 39209 | 25/100 |
| 9 | 39213 | 25/100 |
| 10 | 39146 | 18/100 |
| 11 | 39051 | 16/100 |
| 12 | 39079 | 10/100 |
Most distressed Madison, MS ZIPs (0-100, 2026)
Mortgage delinquency in Madison, MS
1.5% of Madison, MS mortgages were ninety-plus days late (Madison, MS, December 2025); Madison, MS thirty-to-eighty-nine days late: 2.6%; Madison, MS twelve-month change +0.6%; Madison, MS peak since 2008: 4.2% (February 2010); Mississippi overall 1.8%. Madison, MS ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 1.2 (Madison, MS), Mar 25 0.8, Apr 25 0.8, May 25 0.2 (Madison, MS), Jun 25 0.3, Jul 25 0.5, Aug 25 0.7 (Madison, MS), Sep 25 0.9, Oct 25 1.1, Nov 25 1.2 (Madison, MS), Dec 25 1.5.
Opportunity index: Madison, MS
Madison, MS index 29.1, Madison, MS phase early_signal; Madison, MS primary driver bank institutional, Madison, MS second driver vacancy. Madison, MS components: property stress 17.1, foreclosure pressure 15.8, listing discounts 39.5, bank stress 54.2, insurance 0.0; Madison, MS pulse 29.5; Madison, MS capital opportunity 28.5; Madison, MS seven-day change -0.1%.
ZIP market phases inside Madison, MS
12 Madison, MS ZIPs carry a price-cycle phase; Madison, MS ZIPs by phase (Madison, MS), deepest drawdown first: peak, +1.9% YoY, 2.2% off peak (Madison, MS): 39041, 39045, 39046, 39071, Madison, MS 39110, 39146, 39157, 39174, Madison, MS 39209, 39213; peak, +3.0% YoY, 1.0% off peak (Madison, MS): 39079; peak, +3.8% YoY, 0.0% off peak (Madison, MS): 39051.
Residential listings by Madison, MS ZIP
Madison, MS ZIPs with the most tracked Madison, MS residential listings: 39110 39 listings, 5 candidates, bank pressure 59; 39046 9 listings, 7 candidates, bank pressure 59; 39071 4 listings, 4 candidates, bank pressure 58; 39157 4 listings, 4 candidates, bank pressure 59 (Madison, MS); 39045 1 listings, 0 candidates, bank pressure 59; 39146 1 listings, 0 candidates, bank pressure 59; 39174 0 listings, 0 candidates, bank pressure 58. Madison, MS totals: 58 listings; Madison, MS candidates 20; active ZIPs 6.
HUD assisted housing in Madison, MS
3 assisted properties with 258 units sit in Madison, MS; largest Madison, MS properties: Canton Estates (Canton) 121 units, 121 assisted; Pride Gardens (Flora) 76 units, 76 assisted; Canton Family Units (Canton) 61 units, 61 assisted in Madison, MS.
Lenders with branches in Madison, MS
Madison, MS lenders by branch count: Bankplus (Madison, MS): stress 61, 7 branches low in Madison, MS; Trustmark Bank (Madison, MS): stress 58, 7 branches low in Madison, MS; Renasant Bank (Madison, MS): stress 43, 5 branches low in Madison, MS; First State Bank (Madison, MS): stress 85, 2 branches moderate in Madison, MS; Community Bank Of Ms (Madison, MS): stress 74, 2 branches low in Madison, MS; Citizens Nb Of Meridian (Madison, MS): stress 58, 2 branches low in Madison, MS; Priorityone Bank (Madison, MS): stress 43, 2 branches low in Madison, MS; Citizens Bk Philadelphia Ms (Madison, MS): stress 85, 1 branch low in Madison, MS.
Vacancy and permits, Madison, MS
3,523 of 47,440 Madison, MS housing units are vacant; Madison, MS permits, twelve months: 32 multifamily units in Madison, MS, 542 one-to-four unit units.
Work Madison, MS at the parcel level
Every Madison, MS parcel carries owner and address; every Madison, MS parcel carries APN; Madison, MS distress scores sit on the Madison, MS live board.
Madison, MS figures refresh with each source.
Madison, MS questions
Most distressed ZIP code in Madison County, MS?
ZIP 39071 leads Madison, MS at 27/100; next in Madison, MS: 39045 at 26/100; the Madison, MS average is 23/100.
Where does Madison County, MS rank for investment opportunity?
Madison, MS is #1,586 among all ranked counties, #49 in Mississippi; the Madison, MS driver is bank institutional; Madison, MS moved up 832 places.
How many mortgages are delinquent in Madison County, MS?
1.5% of Madison, MS mortgages were ninety-plus days late in December 2025; the Madison, MS peak since 2008 was 4.2%.
Which banks lend in Madison County, MS?
8 watched lenders hold Madison, MS branches; the largest Madison, MS footprints are Bankplus (7), Trustmark Bank (7), Renasant Bank (5).
More on Madison, MS
Madison County, MS distress report: public-record figures for Madison, MS; not legal advice for Madison, MS; not tax or investment advice; verify every Madison, MS record before acting.