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

Pontotoc County, MS, Mississippi: 11 ZIP codes scored, Pontotoc County, MS averaging 15/100 (low, Pontotoc, MS), from 11 to 25. Pontotoc County, MS is in its peak phase (Pontotoc, MS confidence 28/100): Pontotoc, MS home prices up 3.8% (Pontotoc, MS) over twelve months. Pontotoc County, MS lender headwind: 58/100.

Highest-scoring Pontotoc County, MS ZIPs: 38801 (25/100), 38868 (24/100), 38826 (16/100), 38828 (15/100), 38860 (13/100), 38841 (12/100). Also scored in Pontotoc County, MS: 38863, 38864, 38869, 38871, 38850.

Across Pontotoc County, MS's scored ZIPs: median home value $154,200, household income $57,595, 16.7% vacancy, 17.9% poverty, 73% owner-occupied, median age 37.6.

Pontotoc County, MS insurance distress 0/100 (#2,799 in the US); FEMA hazard 0/100 for Pontotoc, MS; 4 federal disaster declarations in Pontotoc County, MS since 2023; Pontotoc, MS construction distress 45/100.

6 banks with 9 branches lend in Pontotoc County, MS; Pontotoc, MS weighted bank stress 65/100, highest 89/100 in Pontotoc, MS.

Pontotoc County, MS unemployment 3.2% (Pontotoc, MS -1.0 pts, six months); 105 new housing units permitted in Pontotoc County, MS over twelve months, Pontotoc, MS up 7% from 98; Pontotoc, MS home prices +9.9% a year (Pontotoc, MS) over three years.

14,221 housing units in Pontotoc County, MS; 3,440 Pontotoc, MS renter households; 33% of Pontotoc, MS renters spend 30%+ of income on rent, 11% (Pontotoc, MS) half or more.

Pontotoc County, MS ranks #1,443 nationally on the opportunity index (Pontotoc, MS, among all ranked counties); Pontotoc, MS scores 29.6/100 and Pontotoc, MS sits #46 inside Mississippi. Pontotoc, MS is in the early_signal opportunity phase; Pontotoc, MS's primary driver is vacancy, Pontotoc, MS second driver bank institutional; Pontotoc, MS moved down 17 places. 3 short-sale listings across Pontotoc, MS; 84 days on market observed in Pontotoc, MS; 15.0% vacancy over 11 Pontotoc, MS ZIPs.

No CFPB county sample covers Pontotoc County, MS. The non-metro area reading for Pontotoc, MS: 1.8% ninety-plus days late; Pontotoc, MS's thirty-to-eighty-nine share is 5.9% (Pontotoc, MS, December 2025 data); Mississippi overall 1.8%.

Pontotoc County, MS has 4 watched banks; 4 Pontotoc, MS banks sit in an elevated band. Pontotoc, MS footprints: First Choice Bank (3 branches, stress 89) in Pontotoc, MS; Renasant Bank (2 branches, stress 43) in Pontotoc, MS; Guaranty Bank&Trust Co (1 branch, stress 64) in Pontotoc, MS.

2,402 of the 14,221 housing units in Pontotoc, MS sit vacant. Pontotoc County, MS permitted 65 multifamily units in twelve months; Pontotoc, MS's one-to-four unit structures added 40 units in Pontotoc County, MS.