ZIP 38732 Foreclosure, Tax-Lien & Distress Report

ZIP 38732's composite property-distress score is 19/100 - DLRadar classes that as low for Bolivar County, Mississippi. Property-level stress concentrates in structural risk (44/100), construction/permit lag (41/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (8/100). On the structural side it scores 44/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (69/100), flood (NFIP) exposure (64/100).

The market reads peak — home values rose 3.6% year on year, and 14% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 60% owner-occupied to 40% rented. 28.6% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 37/100. Rent burden reaches 50% of tenant households. There are about 7,290 housing units across 38732. Educational attainment sits at 32% bachelor's-or-above. The typical home is worth about $160,700 (3.7× income, relatively affordable). The vacancy rate is 11.1%. Households earn a median $44,239 — below the roughly $78,000 national figure. Population is roughly 16,735 with a median age of 36.

Taken together, 38732 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 38732 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 38732 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 38732 reflects the current record instead of a stale or modeled snapshot.

The 19/100 figure for 38732 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 38732 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.