Cole County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cole County, MO distress report, 2026: 9 ZIPs scored in Cole, MO, Cole, MO average 18/100; the top Cole, MO ZIP is 65053 at 21/100; Cole, MO market phase peak, Cole, MO prices +2.3% year over year.
- Cole, MO ranks #2,994 nationally (opportunity index); Cole, MO #113 in Missouri; Cole, MO index 23.2.
- Cole, MO: no CFPB county sample; Cole, MO metro area reading 0.2%.
- Cole, MO ZIP phases: 9 peak.
- Cole, MO residential listings tracked: 2 across 6 ZIPs; Cole, MO candidate listings 0.
- Cole, MO HUD assisted properties: 6 with 292 units.
- Cole, MO lenders on watch: 8; largest Cole, MO footprint Central Trust Bank (9 branches).
- Cole, MO most distressed ZIP: 65053 at 21/100.
Cole, MO figures: DLRadar distress index; Cole, MO inputs: CFPB, FHFA, HUD, FDIC; Cole, MO rebuilt as sources refresh.
| Rank | Cole, MO ZIP | Score |
|---|---|---|
| 1 | 65053 | 21/100 |
| 2 | 65101 | 21/100 |
| 3 | 65109 | 21/100 |
| 4 | 65040 | 20/100 |
| 5 | 65023 | 19/100 |
| 6 | 65076 | 19/100 |
| 7 | 65074 | 18/100 |
| 8 | 65032 | 15/100 |
| 9 | 65058 | 12/100 |
Most distressed Cole, MO ZIPs (0-100, 2026)
Mortgage delinquency around Cole, MO
No CFPB county sample covers Cole, MO; the metro area reading for Cole, MO (Jefferson City, MO): 0.2% ninety-plus; Cole, MO area thirty-to-eighty-nine 1.9% (December 2025, Cole, MO); Missouri overall 0.9%.
Opportunity index: Cole, MO
Cole, MO index 23.2, Cole, MO phase weak; Cole, MO primary driver construction, Cole, MO second driver bank institutional. Cole, MO components: property stress 12.1, foreclosure pressure 10.1, listing discounts 18.2, bank stress 49.8, insurance 0.0; Cole, MO pulse 25.5; Cole, MO capital opportunity 19.7.
ZIP market phases inside Cole, MO
9 Cole, MO ZIPs carry a price-cycle phase; Cole, MO ZIPs by phase (Cole, MO), deepest drawdown first: peak, +2.3% YoY, 0.3% off peak (Cole, MO): 65023, 65053, 65101, 65109, Cole, MO 65076, 65074; peak, +2.7% YoY, 0.2% off peak (Cole, MO): 65040; peak, +3.8% YoY, 0.1% off peak (Cole, MO): 65032; peak, +4.0% YoY, 0.1% off peak (Cole, MO): 65058.
Residential listings by Cole, MO ZIP
Cole, MO ZIPs with the most tracked Cole, MO residential listings: 65101 1 listings, 0 candidates, bank pressure 52; 65109 1 listings, 0 candidates, bank pressure 54; 65023 0 listings, 0 candidates, bank pressure 56; 65040 0 listings, 0 candidates, bank pressure 54 (Cole, MO); 65053 0 listings, 0 candidates, bank pressure 54; 65076 0 listings, 0 candidates, bank pressure 52. Cole, MO totals: 2 listings; Cole, MO candidates 0; active ZIPs 2.
HUD assisted housing in Cole, MO
6 assisted properties with 292 units sit in Cole, MO; largest Cole, MO properties: Hyder Elderly Apartments (Jefferson City) 116 units, 116 assisted; Linden Campus Apartments (Jefferson City) 91 units, 67 assisted; The Courtyards At Cherry Creek (Jefferson) 46 units in Cole, MO; Lewella Estes (Jefferson City) 16 units, 16 assisted; Warren Scott Apartments (Jefferson City) 14 units, 14 assisted; Richard Walz Apartments (Jefferson City) 9 units, 9 assisted.
Lenders with branches in Cole, MO
Cole, MO lenders by branch count: Central Trust Bank (Cole, MO): stress 54, 9 branches low in Cole, MO; Hawthorn Bank (Cole, MO): stress 56, 4 branches low in Cole, MO; Legends Bank (Cole, MO): stress 16, 3 branches low in Cole, MO; Community Point Bank (Cole, MO): stress 65, 2 branches low in Cole, MO; Farmers Bank Of Lohman Mo (Cole, MO): stress 48, 2 branches low in Cole, MO; Mid America Bank (Cole, MO): stress 44, 2 branches low in Cole, MO; Sullivan Bank (Cole, MO): stress 73, 1 branch low in Cole, MO; Umb Bank National Assn (Cole, MO): stress 60, 1 branch low in Cole, MO.
Vacancy and permits, Cole, MO
2,447 of 33,533 Cole, MO housing units are vacant; Cole, MO permits, twelve months: 3 multifamily units in Cole, MO, 161 one-to-four unit units.
Work Cole, MO at the parcel level
Every Cole, MO parcel carries owner and address; every Cole, MO parcel carries APN; Cole, MO distress scores sit on the Cole, MO live board.
Cole, MO figures refresh with each source.
Cole, MO questions
Most distressed ZIP code in Cole County, MO?
ZIP 65053 leads Cole, MO at 21/100; next in Cole, MO: 65101 at 21/100; the Cole, MO average is 18/100.
Where does Cole County, MO rank for investment opportunity?
Cole, MO is #2,994 among all ranked counties, #113 in Missouri; the Cole, MO driver is construction; Cole, MO moved up 11 places.
How many mortgages are delinquent in Cole County, MO?
Cole, MO takes the metro area reading of 0.2% for December 2025; no CFPB county sample covers Cole, MO.
Which banks lend in Cole County, MO?
8 watched lenders hold Cole, MO branches; the largest Cole, MO footprints are Central Trust Bank (9), Hawthorn Bank (4), Legends Bank (3).
More on Cole, MO
Cole County, MO distress report: public-record figures for Cole, MO; not legal advice for Cole, MO; not tax or investment advice; verify every Cole, MO record before acting.