ZIP 39540 Foreclosure, Tax-Lien & Distress Report

ZIP code 39540 in Harrison County, Mississippi carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (73/100), FEMA disaster exposure (66/100). The latent-versus-live split is 70/100 structural and 3/100 already moving. Its heaviest discrete signals: structural risk (70/100), construction/permit lag (56/100), institutional ownership (52/100). On the quiet end sit mortgage stress (8/100).

The market reads neutral — home values rose 4.8% year on year, and 9% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $65,712, below the U.S. median near $78,000. Owners hold 56% of homes, renters 44%. The typical home is worth about $210,100 (3.0× income, relatively affordable). Around 27% of renters are cost-burdened. Vacancy runs 7.3%. About 20% have a four-year degree. The ZIP holds roughly 5,390 housing units. The demographic-stress sub-score lands at 31/100. 19.1% of residents fall below the poverty threshold. Population is roughly 13,033 with a median age of 38.

Net-net, 39540 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 39540 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 39540's 32/100 can be lined up against any neighbor in Harrison County, Mississippi or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 39540 reflects the current record instead of a stale or modeled snapshot.

39540's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 39540 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.