Holmes County, MS: Foreclosures, Tax Liens & Distressed Properties

Holmes County, MS, Mississippi: 9 ZIP codes scored, Holmes County, MS averaging 13/100 (minimal, Holmes, MS), from 6 to 22. Holmes County, MS is in its peak phase (Holmes, MS confidence 27/100): Holmes, MS home prices up 1.9% (Holmes, MS) over twelve months, 2.2% under their peak. Holmes County, MS lender headwind: 0/100.

Highest-scoring Holmes County, MS ZIPs: 38954 (22/100), 39038 (22/100), 39146 (18/100), 38924 (13/100), 39063 (10/100), 39079 (10/100). Also scored in Holmes County, MS: 39095, 39169, 39192.

Across Holmes County, MS's scored ZIPs: median home value $83,522, household income $34,534, 23.1% vacancy, 31.4% poverty, 62% owner-occupied, median age 34.5.

Holmes County, MS insurance distress 0/100 (#2,791 in the US); FEMA hazard 0/100 for Holmes, MS; 4 federal disaster declarations in Holmes County, MS since 2023; Holmes, MS construction distress 32/100.

3 banks with 8 branches lend in Holmes County, MS; Holmes, MS weighted bank stress 59/100, highest 62/100 in Holmes, MS.

Holmes County, MS unemployment 5.7% (Holmes, MS -1.3 pts, six months); 22 new housing units permitted in Holmes County, MS over twelve months, Holmes, MS up 16% from 19.

7,595 housing units in Holmes County, MS; 2,368 Holmes, MS renter households; 39% of Holmes, MS renters spend 30%+ of income on rent, 24% (Holmes, MS) half or more.

Holmes County, MS ranks #1,017 nationally on the opportunity index (Holmes, MS, among all ranked counties); Holmes, MS scores 31.1/100 and Holmes, MS sits #33 inside Mississippi. Holmes, MS is in the watchlist opportunity phase; Holmes, MS's primary driver is vacancy, Holmes, MS second driver bank institutional; Holmes, MS moved up 39 places. 3 short-sale listings across Holmes, MS; 66 days on market observed in Holmes, MS; 20.4% vacancy over 9 Holmes, MS ZIPs.

No CFPB county sample covers Holmes County, MS. The metro area reading for Holmes, MS (Jackson, MS): 1.7% ninety-plus days late; Holmes, MS's thirty-to-eighty-nine share is 4.4% (Holmes, MS, December 2025 data); Mississippi overall 1.8%.

Holmes County, MS has 3 watched banks; 3 Holmes, MS banks sit in an elevated band. Holmes, MS footprints: Bankplus (4 branches, stress 61) in Holmes, MS; Bank Of Commerce (3 branches, stress 62) in Holmes, MS; Renasant Bank (1 branch, stress 43) in Holmes, MS.

HUD lists 3 assisted multifamily properties in Holmes County, MS with 152 units; 151 Holmes, MS units are assisted, 2 Holmes, MS properties under project-based Section 8.

1,438 of the 7,595 housing units in Holmes, MS sit vacant. Holmes County, MS permitted 6 multifamily units in twelve months; Holmes, MS's one-to-four unit structures added 16 units in Holmes County, MS.