ZIP 38645 Property Distress & Foreclosure Data

ZIP code 38645 in Coahoma County, Mississippi carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 45/100 against active distress of 4/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (62/100). What sets it apart are the readings on construction/permit lag (58/100), structural risk (45/100), institutional ownership (30/100). By contrast, institutional ownership (30/100) and mortgage stress (14/100) register low.

The market reads neutral — home values rose 4.4% year on year, at 26/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 66% of homes, renters 34%. DLRadar's demographic-stress index for the area reads 23/100. Home values center near $87,500, an affordability ratio of 1.4× — accessible. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. About 831 people live here, median age 48. Educational attainment sits at 27% bachelor's-or-above. There are about 421 housing units across 38645. 16.1% of residents fall below the poverty threshold. Rent burden reaches 23% of tenant households. Median household income is $61,458, below the U.S. median near $78,000.

Net-net, 38645 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.