Franklin County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Missouri? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 63005 at 32/100.
- 23 ZIP codes tracked in Franklin County, averaging 28/100 distress.
- Franklin County reads peak — home values up 3.9% year over year.
- Vacancy runs 9.8% across Franklin County's tracked ZIPs, with a 8% poverty rate.
- The typical Franklin County home is worth about $278,341 against a ~$92,106 median income.
- Lending headwind in Franklin County sits at 55/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 63005 | 32/100 |
| 2 | 63069 | 30/100 |
| 3 | 63013 | 29/100 |
| 4 | 63015 | 29/100 |
| 5 | 63039 | 29/100 |
| 6 | 63041 | 29/100 |
| 7 | 63055 | 29/100 |
| 8 | 63056 | 29/100 |
| 9 | 63060 | 29/100 |
| 10 | 63061 | 29/100 |
| 11 | 63072 | 29/100 |
| 12 | 63073 | 29/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
Franklin County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 28/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Franklin County market phase and pricing
Phase for Franklin County: peak (+3.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
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Questions and answers
What is the most distressed ZIP code in Franklin County, MO?
ZIP 63005 leads Franklin County at 32/100, recomputed monthly from public records.
Is Franklin County expanding or contracting?
Franklin County currently sits in peak, with values up 3.9% year on year, based on FHFA price-index trajectory.
What are the sources behind these Franklin County numbers?
Franklin County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 23 ZIPs are comparable to anywhere else.
How much do distress scores vary between Franklin County ZIP codes?
A single county score papers over real variation. Across the Franklin County ZIPs DLRadar ranks, scores run from 32/100 in 63005 down to 29/100 in 63073, against a Franklin County average of 28/100. Because the gap runs to 3 points, Franklin County rewards ZIP-level precision.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $278,341 of value against a median household income near $92,106. Vacancy across Franklin County's tracked ZIPs runs 9.8% and the poverty rate is 8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Franklin County's foreclosure and tax-lien filings and its 55/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.