Cowley County, KS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cowley County, KS distress report, 2026: 15 ZIPs scored in Cowley, KS, Cowley, KS average 24/100; the top Cowley, KS ZIP is 67039 at 32/100; Cowley, KS market phase peak, Cowley, KS prices +3.5% year over year.
- Cowley, KS ranks #910 nationally (opportunity index); Cowley, KS #23 in Kansas; Cowley, KS index 31.5.
- Cowley, KS: no CFPB county sample; Cowley, KS non-metro area reading 1.0%.
- Cowley, KS ZIP phases: 9 peak, 6 neutral.
- Cowley, KS residential listings tracked: 4 across 9 ZIPs; Cowley, KS candidate listings 2.
- Cowley, KS HUD assisted properties: 5 with 197 units.
- Cowley, KS lenders on watch: 5; largest Cowley, KS footprint Union State Bank (7 branches).
- Cowley, KS most distressed ZIP: 67039 at 32/100.
Cowley, KS figures: DLRadar distress index; Cowley, KS inputs: CFPB, FHFA, HUD, FDIC; Cowley, KS rebuilt as sources refresh.
| Rank | Cowley, KS ZIP | Score |
|---|---|---|
| 1 | 67039 | 32/100 |
| 2 | 67072 | 31/100 |
| 3 | 67008 | 28/100 |
| 4 | 67146 | 24/100 |
| 5 | 67005 | 23/100 |
| 6 | 67019 | 23/100 |
| 7 | 67023 | 23/100 |
| 8 | 67038 | 23/100 |
| 9 | 67102 | 23/100 |
| 10 | 67131 | 23/100 |
| 11 | 67156 | 23/100 |
| 12 | 67119 | 22/100 |
Most distressed Cowley, KS ZIPs (0-100, 2026)
Mortgage delinquency around Cowley, KS
No CFPB county sample covers Cowley, KS; the non-metro area reading for Cowley, KS: 1.0% ninety-plus; Cowley, KS area thirty-to-eighty-nine 2.4% (December 2025, Cowley, KS); Kansas overall 0.8%.
Opportunity index: Cowley, KS
Cowley, KS index 31.5, Cowley, KS phase watchlist; Cowley, KS primary driver vacancy, Cowley, KS second driver construction. Cowley, KS components: property stress 18.0, foreclosure pressure 17.6, listing discounts 33.0, bank stress 62.4, insurance 0.0; Cowley, KS pulse 36.3; Cowley, KS capital opportunity 24.3; Cowley, KS seven-day change +0.3%.
ZIP market phases inside Cowley, KS
15 Cowley, KS ZIPs carry a price-cycle phase; Cowley, KS ZIPs by phase (Cowley, KS), deepest drawdown first: peak, +3.5% YoY (Cowley, KS): 67005, 67019, 67023, 67038, Cowley, KS 67102, 67131, 67156; neutral, +3.9% YoY (Cowley, KS): 67008; peak, +3.1% YoY (Cowley, KS): 67024; neutral, +4.4% YoY (Cowley, KS): 67039, 67110; neutral, +4.3% YoY (Cowley, KS): 67051, 67072; neutral, +4.2% YoY (Cowley, KS): 67119; peak, +3.6% YoY (Cowley, KS): 67146.
Residential listings by Cowley, KS ZIP
Cowley, KS ZIPs with the most tracked Cowley, KS residential listings: 67005 2 listings, 1 candidates, bank pressure 68; 67102 1 listings, 0 candidates, bank pressure 68; 67156 1 listings, 1 candidates, bank pressure 68; 67008 0 listings, 0 candidates, bank pressure 68 (Cowley, KS); 67019 0 listings, 0 candidates, bank pressure 68; 67023 0 listings, 0 candidates, bank pressure 68; 67038 0 listings, 0 candidates, bank pressure 68; 67131 0 listings, 0 candidates, bank pressure 68. Cowley, KS totals: 4 listings; Cowley, KS candidates 2; active ZIPs 1.
HUD assisted housing in Cowley, KS
5 assisted properties with 197 units sit in Cowley, KS; largest Cowley, KS properties: Canterbury Village (Winfield) 100 units, 48 assisted; Project Independence (Arkansas City) 49 units; Canterbury Heights (Winfield) 20 units, 20 assisted in Cowley, KS; Wheat Ridge Heights (Winfield) 20 units, 20 assisted; Mosaic Housing Corp. Xix - Winfield (Winfield) 8 units, 8 assisted.
Lenders with branches in Cowley, KS
Cowley, KS lenders by branch count: Union State Bank (Cowley, KS): stress 63, 7 branches low in Cowley, KS; Community Nb&T (Cowley, KS): stress 71, 2 branches low in Cowley, KS; Citizens Bank Of Kansas (Cowley, KS): stress 81, 1 branch low in Cowley, KS; Stock Exc Bk Caldwell Ks (Cowley, KS): stress 69, 1 branch low in Cowley, KS; Bank Of Commerce (Cowley, KS): stress 63, 1 branch low in Cowley, KS.
Vacancy and permits, Cowley, KS
2,295 of 15,682 Cowley, KS housing units are vacant; Cowley, KS permits, twelve months: 0 multifamily units in Cowley, KS, 39 one-to-four unit units.
Work Cowley, KS at the parcel level
Every Cowley, KS parcel carries owner and address; every Cowley, KS parcel carries APN; Cowley, KS distress scores sit on the Cowley, KS live board.
Cowley, KS figures refresh with each source.
Cowley, KS questions
Most distressed ZIP code in Cowley County, KS?
ZIP 67039 leads Cowley, KS at 32/100; next in Cowley, KS: 67072 at 31/100; the Cowley, KS average is 24/100.
Where does Cowley County, KS rank for investment opportunity?
Cowley, KS is #910 among all ranked counties, #23 in Kansas; the Cowley, KS driver is vacancy; Cowley, KS moved down 93 places.
How many mortgages are delinquent in Cowley County, KS?
Cowley, KS takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Cowley, KS.
Which banks lend in Cowley County, KS?
5 watched lenders hold Cowley, KS branches; the largest Cowley, KS footprints are Union State Bank (7), Community Nb&T (2), Citizens Bank Of Kansas (1).
More on Cowley, KS
Cowley County, KS distress report: public-record figures for Cowley, KS; not legal advice for Cowley, KS; not tax or investment advice; verify every Cowley, KS record before acting.