Callaway County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Callaway County, Missouri? DLRadar grades every Callaway County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Callaway County breakdown.
- Callaway County's most distressed ZIP is 65201 at 26/100.
- 19 ZIP codes tracked in Callaway County, averaging 20/100 distress.
- Callaway County reads peak — home values up 2.3% year over year.
- Vacancy runs 18.1% across Callaway County's tracked ZIPs, with a 13.5% poverty rate.
- The typical Callaway County home is worth about $208,695 against a ~$64,572 median income.
- Lending headwind in Callaway County sits at 41/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 65201 | 26/100 |
| 2 | 65039 | 25/100 |
| 3 | 65202 | 25/100 |
| 4 | 65240 | 23/100 |
| 5 | 65101 | 22/100 |
| 6 | 63388 | 19/100 |
| 7 | 65043 | 19/100 |
| 8 | 65059 | 19/100 |
| 9 | 65063 | 19/100 |
| 10 | 65067 | 19/100 |
| 11 | 65077 | 19/100 |
| 12 | 65080 | 19/100 |
Most distressed ZIP codes in Callaway County (composite distress 0-100, 2026)
What is driving Callaway County distress
Nothing here is estimated: Callaway County is scored from filings alone, and its ZIPs average 20/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Callaway County market phase and pricing
The cycle in Callaway County is peak, with values up 2.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Common questions
What is the most distressed ZIP code in Callaway County, MO?
ZIP 65201 leads Callaway County at 26/100, recomputed monthly from public records.
What stage of the price cycle is Callaway County at?
Callaway County currently sits in peak, with values up 2.3% year on year, based on FHFA price-index trajectory.
What are the sources behind these Callaway County numbers?
Every Callaway County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 19 Callaway County ZIP codes that it runs on every other U.S. county, so Callaway County's numbers are directly comparable to any other market.
How much do distress scores vary between Callaway County ZIP codes?
A county average hides the spread. Across the Callaway County ZIPs DLRadar ranks, scores run from 26/100 in 65201 down to 19/100 in 65080, against a Callaway County average of 20/100. Those 7 points separate the ZIPs worth working in Callaway County from the rest.
What do Callaway County home values and vacancy say about distressed supply?
The typical Callaway County home carries about $208,695 of value against a median household income near $64,572. Vacancy across Callaway County's tracked ZIPs runs 18.1% and the poverty rate is 13.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Callaway County's foreclosure and lien filings and its 41/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.