ZIP 39531 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 39531 (Harrison County, Mississippi) lands at 32/100 — moderate on DLRadar's public-record scoring. The pressure is most legible in structural risk (70/100), construction/permit lag (56/100), institutional ownership (52/100). On the quiet end sit mortgage stress (8/100). Structural risk reads 70/100 against active distress of 3/100. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (73/100), FEMA disaster exposure (65/100).

The neutral-phase market in 39531 posted values that rose 4.8% over the year, and 13% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $54,599, below the U.S. median near $78,000. Roughly 16.1% live below the poverty line. About 19,045 people live here, median age 36. Around 32% of renters are cost-burdened. The tenure split is 38% owner-occupied to 62% rented. About 34% have a four-year degree. The demographic-stress sub-score lands at 34/100. The ZIP holds roughly 9,648 housing units. Home values center near $211,500, an affordability ratio of 3.5× — accessible. The vacancy rate is 18.4% — elevated.

On the whole, 39531 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 39531 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 39531 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 39531 can be compared directly against any other ZIP in Harrison County, Mississippi or nationwide. Where the public record is thin for 39531, the field stays empty rather than modeled, and fills in as new documents post.

Behind 39531'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. The point of the 39531 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.