ZIP 38651 Property Distress & Foreclosure Data

DLRadar grades ZIP 38651 (Desoto County, Mississippi) at a low 25/100 for overall property distress. Property-level stress concentrates in construction/permit lag (61/100), structural risk (58/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low. On the structural side it scores 58/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (81/100).

The market reads recovery — home values rose 2.2% year on year, and 12% higher over three years (phase confidence 13/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $96,667, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 24/100. 5.7% of residents fall below the poverty threshold. Owners hold 92% of homes, renters 8%. Around 33% of renters are cost-burdened. The ZIP holds roughly 3,355 housing units. About 8,491 people live here, median age 38. Home values center near $328,000, an affordability ratio of 3.0× — accessible. Educational attainment sits at 26% bachelor's-or-above. The vacancy rate is 3.9%.

Net-net, 38651 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.