ZIP 39095 Foreclosure, Tax-Lien & Distress Report

ZIP 39095's composite property-distress score is 12/100 - DLRadar classes that as minimal for Holmes County, Mississippi. What sets it apart are the readings on construction/permit lag (49/100), structural risk (26/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (5/100) register low. The latent-versus-live split is 26/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, 2.0% off the recent peak (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Population is roughly 6,652 with a median age of 41. Home values center near $91,800, an affordability ratio of 2.5× — accessible. There are about 2,858 housing units across 39095. Owners hold 65% of homes, renters 35%. The demographic-stress sub-score lands at 35/100. 32.8% of residents fall below the poverty threshold. The vacancy rate is 17.4% — elevated. About 16% have a four-year degree. At $36,838, median income runs below typical U.S. levels. Around 45% of renters are cost-burdened.

On the whole, 39095 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 39095 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 39095 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 39095, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 39095 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. For a buyer, 39095 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.