Pontotoc County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Pontotoc County, Mississippi? DLRadar grades every Pontotoc County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Pontotoc County breakdown.
- Pontotoc County's most distressed ZIP is 38801 at 25/100.
- 11 ZIP codes tracked in Pontotoc County, averaging 15/100 distress.
- Pontotoc County reads peak — home values up 3.8% year over year.
- Vacancy runs 16.7% across Pontotoc County's tracked ZIPs, with a 17.9% poverty rate.
- The typical Pontotoc County home is worth about $154,200 against a ~$57,595 median income.
- Lending headwind in Pontotoc County sits at 58/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38801 | 25/100 |
| 2 | 38868 | 24/100 |
| 3 | 38826 | 16/100 |
| 4 | 38828 | 14/100 |
| 5 | 38860 | 14/100 |
| 6 | 38841 | 12/100 |
| 7 | 38850 | 12/100 |
| 8 | 38863 | 12/100 |
| 9 | 38864 | 12/100 |
| 10 | 38871 | 12/100 |
| 11 | 38869 | 11/100 |
Most distressed ZIP codes in Pontotoc County (composite distress 0-100, 2026)
What is driving Pontotoc County distress
DLRadar builds Pontotoc County's distress picture only from records anyone can pull; its ZIPs average 15/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Pontotoc County market phase and pricing
The cycle in Pontotoc County is peak, with values up 3.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Common questions
Where is distress highest inside Pontotoc County, MS?
ZIP 38801 leads Pontotoc County at 25/100, recomputed monthly from public records.
What market phase is Pontotoc County in?
Pontotoc County is classified peak with a 3.8% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Pontotoc County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 11 ZIP codes in Pontotoc County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Pontotoc County ZIP codes?
A county average hides the spread. Across the Pontotoc County ZIPs DLRadar ranks, scores run from 25/100 in 38801 down to 11/100 in 38869, against a Pontotoc County average of 15/100. Those 14 points separate the ZIPs worth working in Pontotoc County from the rest.
What do Pontotoc County home values and vacancy say about distressed supply?
The typical Pontotoc County home carries about $154,200 of value against a median household income near $57,595. Vacancy across Pontotoc County's tracked ZIPs runs 16.7% and the poverty rate is 17.9%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Pontotoc County's foreclosure and lien data and its 58/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.