Union County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, Mississippi? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 38849 at 25/100.
- 11 ZIP codes tracked in Union County, averaging 14/100 distress.
- Union County reads peak — home values up 3.8% year over year.
- Vacancy runs 16.7% across Union County's tracked ZIPs, with a 15% poverty rate.
- The typical Union County home is worth about $139,718 against a ~$55,581 median income.
- Lending headwind in Union County sits at 48/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38849 | 25/100 |
| 2 | 38824 | 17/100 |
| 3 | 38652 | 15/100 |
| 4 | 38625 | 14/100 |
| 5 | 38627 | 14/100 |
| 6 | 38650 | 14/100 |
| 7 | 38828 | 14/100 |
| 8 | 38610 | 13/100 |
| 9 | 38841 | 12/100 |
| 10 | 38871 | 12/100 |
| 11 | 38633 | 9/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
Union County's placement in the national index rests on public filings — a 14/100 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.
Union County market phase and pricing
Union 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 Union County
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Questions and answers
What is the most distressed ZIP code in Union County, MS?
ZIP 38849 leads Union County at 25/100, recomputed monthly from public records.
Where is Union County in the housing cycle?
Phase for Union County: peak, tracking a 3.8% gain year over year, read off the FHFA index.
What is this Union County analysis built from?
Every Union County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 11 Union County ZIP codes that it runs on every other U.S. county, so Union County's numbers are directly comparable to any other market.
How much do distress scores vary between Union County ZIP codes?
One county number flattens a wide range. Across the Union County ZIPs DLRadar ranks, scores run from 25/100 in 38849 down to 9/100 in 38633, against a Union County average of 14/100. That 16-point gap is why acquisition targeting in Union County works at ZIP level rather than county level.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $139,718 of value against a median household income near $55,581. Vacancy across Union County's tracked ZIPs runs 16.7% and the poverty rate is 15%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Union County's foreclosure and lien filings and its 48/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.