Cole County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cole County, Missouri? DLRadar grades every Cole County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Cole County breakdown.
- Cole County's most distressed ZIP is 65053 at 22/100.
- 9 ZIP codes tracked in Cole County, averaging 19/100 distress.
- Cole County reads peak — home values up 2.3% year over year.
- Vacancy runs 9% across Cole County's tracked ZIPs, with a 6.3% poverty rate.
- The typical Cole County home is worth about $233,689 against a ~$73,689 median income.
- Lending headwind in Cole County sits at 22/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 65053 | 22/100 |
| 2 | 65101 | 22/100 |
| 3 | 65109 | 22/100 |
| 4 | 65040 | 21/100 |
| 5 | 65076 | 21/100 |
| 6 | 65023 | 20/100 |
| 7 | 65074 | 18/100 |
| 8 | 65032 | 15/100 |
| 9 | 65058 | 14/100 |
Most distressed ZIP codes in Cole County (composite distress 0-100, 2026)
What is driving Cole County distress
The Cole County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 19/100 ZIP average. No proprietary or modelled inputs enter the score.
Cole County market phase and pricing
DLRadar places Cole County in peak; prices moved up 2.3% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cole County
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Questions and answers
Where is distress highest inside Cole County, MO?
ZIP 65053 leads Cole County at 22/100, recomputed monthly from public records.
What market phase is Cole County in?
FHFA price-index movement places Cole County in peak; prices are up 2.3% over twelve months.
What are the sources behind these Cole County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 9 ZIP codes in Cole County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Cole County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Cole County ZIPs DLRadar ranks, scores run from 22/100 in 65053 down to 14/100 in 65058, against a Cole County average of 19/100. With 8 points between best and worst, county-level targeting in Cole County wastes effort.
What do Cole County home values and vacancy say about distressed supply?
The typical Cole County home carries about $233,689 of value against a median household income near $73,689. Vacancy across Cole County's tracked ZIPs runs 9% and the poverty rate is 6.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Cole County's foreclosure and tax-lien record and its 22/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.