ZIP 38601 Foreclosure, Tax-Lien & Distress Report

ZIP 38601's composite property-distress score is 15/100 - DLRadar classes that as low for Lafayette County, Mississippi. Environmental exposure also runs high (climate & FEMA risk (67/100)). The most distinctive pressure shows up in construction/permit lag (45/100), structural risk (32/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (3/100) register low. Latent structural risk is 32/100 while live distress already moving reads 2/100.

The peak-phase market in 38601 posted values that rose 3.6% over the year, and 56% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 79% of homes, renters 21%. Vacancy runs 28.5%, above the national norm and a classic distress-and-opportunity signal. 2,531 residents call 38601 home, typically aged 37. There are about 1,155 housing units across 38601. Home values center near $190,000, an affordability ratio of 4.3×. Households earn a median $50,568 — below the roughly $78,000 national figure. Around 40% of renters are cost-burdened. On demographic stress specifically, 38601 scores 35/100. Educational attainment sits at 20% bachelor's-or-above. Roughly 8.8% live below the poverty line.

Taken together, 38601 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 38601 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 38601 runs through one identical public-record model, so its 15/100 sits on the same scale as every other ZIP in Lafayette County, Mississippi and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 38601 shows blanks, not estimates, wherever the record is sparse.

The 15/100 figure for 38601 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 38601 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.