ZIP 38864 Foreclosure, Tax-Lien & Distress Report

In Pontotoc County, Mississippi, ZIP 38864 scores 12 of 100 for composite distress, a minimal level on DLRadar's distress index. Structural exposure scores 26 and live distress 2 on the 0–100 scale. Its heaviest discrete signals: construction/permit lag (43/100), structural risk (26/100), institutional ownership (8/100). By contrast, institutional ownership (8/100) and mortgage stress (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.