Monroe County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Mississippi? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 38868 at 24/100.
- 12 ZIP codes tracked in Monroe County, averaging 18/100 distress.
- Monroe County reads peak — home values up 3.8% year over year.
- Vacancy runs 21.1% across Monroe County's tracked ZIPs, with a 18.6% poverty rate.
- The typical Monroe County home is worth about $138,273 against a ~$52,270 median income.
- Lending headwind in Monroe County sits at 50/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38868 | 24/100 |
| 2 | 39740 | 20/100 |
| 3 | 38821 | 19/100 |
| 4 | 38844 | 19/100 |
| 5 | 38848 | 19/100 |
| 6 | 38858 | 19/100 |
| 7 | 39730 | 19/100 |
| 8 | 39746 | 19/100 |
| 9 | 38870 | 18/100 |
| 10 | 39756 | 15/100 |
| 11 | 38860 | 14/100 |
| 12 | 39773 | 13/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 18/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Monroe County market phase and pricing
Monroe County reads peak — home prices rose 3.8% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Monroe County
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Common questions
What is the most distressed ZIP code in Monroe County, MS?
ZIP 38868 leads Monroe County at 24/100, recomputed monthly from public records.
Where is Monroe County in the housing cycle?
Monroe County is classified peak with a 3.8% year-over-year increase, following the FHFA House Price Index.
What is this Monroe County analysis built from?
Each Monroe County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 12 local ZIPs and every other county in the country.
How much do distress scores vary between Monroe County ZIP codes?
A county average hides the spread. Across the Monroe County ZIPs DLRadar ranks, scores run from 24/100 in 38868 down to 13/100 in 39773, against a Monroe County average of 18/100. A spread of 11 points means Monroe County has to be worked ZIP by ZIP.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $138,273 of value against a median household income near $52,270. Vacancy across Monroe County's tracked ZIPs runs 21.1% and the poverty rate is 18.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Monroe County's foreclosure and tax-lien record and its 50/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.