ZIP 38869 Foreclosure, Tax-Lien & Distress Report

Pontotoc County, Mississippi's ZIP 38869 registers 11/100 composite distress, which DLRadar reads as minimal. Property-level stress concentrates in construction/permit lag (41/100), structural risk (25/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. The latent-versus-live split is 25/100 structural and 1/100 already moving.

The market reads peak — home values rose 3.8% year on year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

Home values center near $137,500, an affordability ratio of 2.3× — accessible. 57% of housing is owner-occupied. About 297 people live here, median age 54. The demographic-stress sub-score lands at 27/100. There are about 130 housing units across 38869. Vacancy runs 23.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 15.5% live below the poverty line. Around 15% of adults hold a bachelor's degree or higher. Households earn a median $61,563 — below the roughly $78,000 national figure. Rent burden reaches 4% of tenant households.

On the whole, 38869 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 38869 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 38869 runs through one identical public-record model, so its 11/100 sits on the same scale as every other ZIP in Pontotoc County, Mississippi and the nation. 38869 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 38869's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 38869 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.