ZIP 39040 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 39040 (Yazoo County, Mississippi) at a low 16/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100), climate & FEMA risk (65/100). The sharpest non-environmental signals are structural risk (37/100), institutional ownership (18/100), mortgage stress (10/100). On the quiet end sit mortgage stress (10/100) and construction/permit lag (10/100). Latent structural risk is 37/100 while live distress already moving reads 3/100.

The market reads peak — home values rose 1.9% year on year, 2.2% off the recent peak (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

3,643 residents call 39040 home, typically aged 38. There are about 1,515 housing units across 39040. Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. Roughly 9.2% live below the poverty line. On demographic stress specifically, 39040 scores 27/100. Median household income is $62,309, below the U.S. median near $78,000. Owners hold 65% of homes, renters 35%. Around 15% of adults hold a bachelor's degree or higher. The typical home is worth about $212,200 (3.2× income, relatively affordable). Around 10% of renters are cost-burdened.

On the whole, 39040 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 39040 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 39040 read uses the identical public-record model applied coast to coast, which means its 16/100 score means exactly what it means anywhere else, and 39040 stays directly comparable to neighboring ZIPs and the rest of Yazoo County, Mississippi. Nothing here is interpolated — where a source is thin for 39040, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 16/100 figure for 39040 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. For a buyer, 39040 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.