Montgomery County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Mississippi? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 39176 at 14/100.
- 7 ZIP codes tracked in Montgomery County, averaging 11/100 distress.
- Montgomery County reads peak — home values up 3.6% year over year.
- Vacancy runs 24.3% across Montgomery County's tracked ZIPs, with a 22% poverty rate.
- The typical Montgomery County home is worth about $119,033 against a ~$43,866 median income.
- Lending headwind in Montgomery County sits at 61/100 — 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 | 39176 | 14/100 |
| 2 | 38967 | 13/100 |
| 3 | 38901 | 11/100 |
| 4 | 38925 | 11/100 |
| 5 | 39747 | 11/100 |
| 6 | 39745 | 8/100 |
| 7 | 39767 | 7/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Montgomery County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 11/100 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.
Montgomery County market phase and pricing
DLRadar places Montgomery County in peak; prices moved up 3.6% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Montgomery County
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Frequently asked questions
Which ZIP code leads Montgomery County on distress?
ZIP 39176 leads Montgomery County at 14/100, recomputed monthly from public records.
Where is Montgomery County in the housing cycle?
The market phase for Montgomery County is peak, prices rising 3.6% on the year — derived from the FHFA House Price Index path.
Can the Montgomery County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 7 Montgomery 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 Montgomery County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Montgomery County ZIPs DLRadar ranks, scores run from 14/100 in 39176 down to 7/100 in 39767, against a Montgomery County average of 11/100. Because the gap runs to 7 points, Montgomery County rewards ZIP-level precision.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $119,033 of value against a median household income near $43,866. Vacancy across Montgomery County's tracked ZIPs runs 24.3% and the poverty rate is 22%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Montgomery County's filings and its 61/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.