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

Holmes County, Mississippi sits inside DLRadar's nationwide distress index, built entirely from public records. The county spans 9 scored ZIP codes, averaging 13/100 composite distress. County-level credit and bank headwind reads 0/100 — low. Individual Holmes County ZIPs score between 8 and 18 on the 0–100 composite.

Currently peak, Holmes County saw prices rise 1.9% year over year, sitting 2.2% below its cycle peak (phase confidence 27/100). With pricing topped out, broad sweeps stop paying so screen ZIP by ZIP.

At +1.9% YoY and 27/100 confidence, selectivity rules — target the few ZIPs carrying distress. A steady 0/100 bank reading points the search to owner-driven distress more than bank stock.

Leading Holmes County on distress: 38954 (18/100), 39038 (18/100), 39146 (18/100), 38924 (14/100), 39095 (12/100), 39063 (11/100). Also scored across the county: 39169, 39079, 39192.

By the numbers, Holmes County's scored ZIPs run a median age of 34.5, a 23.1% vacancy rate, home values averaging roughly $83,522, below the US, household income averaging about $34,534, below the national median, 62% owner-occupancy, 31.4% of households below the poverty line. Taken together, they frame the kind of distress to expect and the buyer pool on exit.

All in at 13/100 over 9 ZIPs, Holmes County is a screen-by-ZIP market where the ZIP scores point. Unlock Holmes County to see every parcel's owner, APN and address, a distress reading, the lender on title and exit timing.

Whether Holmes County, Mississippi carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Holmes County can be compared directly against any county in the country.

For anyone buying in Holmes County, the scores answer one question first — which ZIPs deserve the marketing budget, with the top reading 18/100. The Holmes County scoring is reproducible from public sources alone, and DLRadar declines to estimate where the underlying record is incomplete.

At the ZIP level, the sharpest readings in Holmes County are 38954 (18/100), 39038 (18/100), 39146 (18/100), 38924 (14/100), 39095 (12/100), 39063 (11/100). DLRadar also scores 39169, 39079, 39192 across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

Under Holmes County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.