ZIP 38864 Foreclosure, Tax-Lien & Distress Report
Pontotoc County, Mississippi · High Vacancy market
In Pontotoc County, Mississippi, ZIP 38864 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. Structural exposure scores 25 and live distress 2 on the 0–100 scale. Its heaviest discrete signals: construction/permit lag (41/100), structural risk (25/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (7/100) register low.
The market reads peak — home values rose 3.8% year on year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.
Households earn a median $53,698 — below the roughly $78,000 national figure. Owners hold 87% of homes, renters 13%. 1,859 residents call 38864 home, typically aged 25. Rent burden reaches 0% of tenant households. About 11% have a four-year degree. The demographic-stress sub-score lands at 29/100. 17.5% of residents fall below the poverty threshold. There are about 744 housing units across 38864. The vacancy rate is 21.2% — elevated. A median home runs $161,500 here, or 3.8 times local income.
Net-net, 38864 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 38864's 12/100 can be lined up against any neighbor in Pontotoc County, Mississippi or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 38864, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 38864 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. The point of the 38864 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 38864
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
38864 at a glance
Current distress, phase, housing and lender-pressure figures for 38864, drawn from the same report attached to each property.
Nearby ZIPs in Pontotoc County
Keep exploring Mississippi distress
Further distress data across Pontotoc County, Mississippi at ZIP, county and state level.
Unlock parcel-level detail for ZIP 38864
The full 38864 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology