Pontotoc County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pontotoc County, MS distress report, 2026: 11 ZIPs scored in Pontotoc, MS, Pontotoc, MS average 15/100; the top Pontotoc, MS ZIP is 38801 at 25/100; Pontotoc, MS market phase peak, Pontotoc, MS prices +3.8% year over year.
- Pontotoc, MS ranks #1,460 nationally (opportunity index); Pontotoc, MS #46 in Mississippi; Pontotoc, MS index 29.6.
- Pontotoc, MS: no CFPB county sample; Pontotoc, MS non-metro area reading 1.8%.
- Pontotoc, MS ZIP phases: 11 peak.
- Pontotoc, MS residential listings tracked: 3 across 6 ZIPs; Pontotoc, MS candidate listings 1.
- Pontotoc, MS lenders on watch: 4; largest Pontotoc, MS footprint First Choice Bank (3 branches).
- Pontotoc, MS most distressed ZIP: 38801 at 25/100.
Pontotoc, MS figures: DLRadar distress index; Pontotoc, MS inputs: CFPB, FHFA, HUD, FDIC; Pontotoc, MS rebuilt as sources refresh.
| Rank | Pontotoc, MS ZIP | Score |
|---|---|---|
| 1 | 38801 | 25/100 |
| 2 | 38868 | 24/100 |
| 3 | 38826 | 16/100 |
| 4 | 38828 | 15/100 |
| 5 | 38860 | 13/100 |
| 6 | 38841 | 12/100 |
| 7 | 38863 | 12/100 |
| 8 | 38864 | 12/100 |
| 9 | 38869 | 12/100 |
| 10 | 38871 | 12/100 |
| 11 | 38850 | 11/100 |
Most distressed Pontotoc, MS ZIPs (0-100, 2026)
Mortgage delinquency around Pontotoc, MS
No CFPB county sample covers Pontotoc, MS; the non-metro area reading for Pontotoc, MS: 1.8% ninety-plus; Pontotoc, MS area thirty-to-eighty-nine 5.9% (December 2025, Pontotoc, MS); Mississippi overall 1.8%.
Opportunity index: Pontotoc, MS
Pontotoc, MS index 29.6, Pontotoc, MS phase early_signal; Pontotoc, MS primary driver vacancy, Pontotoc, MS second driver bank institutional. Pontotoc, MS components: property stress 17.7, foreclosure pressure 18.9, listing discounts 28.0, bank stress 58.2, insurance 0.0; Pontotoc, MS pulse 34.0; Pontotoc, MS capital opportunity 23.1; Pontotoc, MS seven-day change +0.2%.
ZIP market phases inside Pontotoc, MS
11 Pontotoc, MS ZIPs carry a price-cycle phase; Pontotoc, MS ZIPs by phase (Pontotoc, MS), deepest drawdown first: peak, +3.6% YoY (Pontotoc, MS): 38801; peak, +3.8% YoY (Pontotoc, MS): 38826, 38828, 38841, 38850, Pontotoc, MS 38860, 38863, 38864, 38869, Pontotoc, MS 38871; peak, +3.7% YoY (Pontotoc, MS): 38868.
Residential listings by Pontotoc, MS ZIP
Pontotoc, MS ZIPs with the most tracked Pontotoc, MS residential listings: 38841 1 listings, 1 candidates, bank pressure 62; 38863 1 listings, 0 candidates, bank pressure 62; 38871 1 listings, 0 candidates, bank pressure 62; 38826 0 listings, 0 candidates, bank pressure 62 (Pontotoc, MS); 38864 0 listings, 0 candidates, bank pressure 60; 38869 0 listings, 0 candidates, bank pressure 61. Pontotoc, MS totals: 3 listings; Pontotoc, MS candidates 1; active ZIPs 2.
Lenders with branches in Pontotoc, MS
Pontotoc, MS lenders by branch count: First Choice Bank (Pontotoc, MS): stress 89, 3 branches moderate in Pontotoc, MS; Renasant Bank (Pontotoc, MS): stress 43, 2 branches moderate in Pontotoc, MS; Guaranty Bank&Trust Co (Pontotoc, MS): stress 64, 1 branch moderate in Pontotoc, MS; Bna Bank (Pontotoc, MS): stress 55, 1 branch moderate in Pontotoc, MS.
Vacancy and permits, Pontotoc, MS
2,402 of 14,221 Pontotoc, MS housing units are vacant; Pontotoc, MS permits, twelve months: 65 multifamily units in Pontotoc, MS, 40 one-to-four unit units.
Work Pontotoc, MS at the parcel level
Every Pontotoc, MS parcel carries owner and address; every Pontotoc, MS parcel carries APN; Pontotoc, MS distress scores sit on the Pontotoc, MS live board.
Pontotoc, MS figures refresh with each source.
Pontotoc, MS questions
Most distressed ZIP code in Pontotoc County, MS?
ZIP 38801 leads Pontotoc, MS at 25/100; next in Pontotoc, MS: 38868 at 24/100; the Pontotoc, MS average is 15/100.
Where does Pontotoc County, MS rank for investment opportunity?
Pontotoc, MS is #1,460 among all ranked counties, #46 in Mississippi; the Pontotoc, MS driver is vacancy; Pontotoc, MS moved down 73 places.
How many mortgages are delinquent in Pontotoc County, MS?
Pontotoc, MS takes the non-metro area reading of 1.8% for December 2025; no CFPB county sample covers Pontotoc, MS.
Which banks lend in Pontotoc County, MS?
4 watched lenders hold Pontotoc, MS branches; the largest Pontotoc, MS footprints are First Choice Bank (3), Renasant Bank (2), Guaranty Bank&Trust Co (1).
More on Pontotoc, MS
Pontotoc County, MS distress report: public-record figures for Pontotoc, MS; not legal advice for Pontotoc, MS; not tax or investment advice; verify every Pontotoc, MS record before acting.