Howard County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Howard County, MO distress report, 2026: 10 ZIPs scored in Howard, MO, Howard, MO average 20/100; the top Howard, MO ZIP is 65256 at 23/100; Howard, MO market phase neutral, Howard, MO prices +3.5% year over year.
- Howard, MO ranks #1,165 nationally (opportunity index); Howard, MO #37 in Missouri; Howard, MO index 30.6.
- Howard, MO: no CFPB county sample; Howard, MO metro area reading 0.5%.
- Howard, MO ZIP phases: 6 neutral, 4 peak.
- Howard, MO residential listings tracked: 2 across 5 ZIPs; Howard, MO candidate listings 0.
- Howard, MO lenders on watch: 4; largest Howard, MO footprint Btc Bank (2 branches).
- Howard, MO most distressed ZIP: 65256 at 23/100.
Howard, MO figures: DLRadar distress index; Howard, MO inputs: CFPB, FHFA, HUD, FDIC; Howard, MO rebuilt as sources refresh.
| Rank | Howard, MO ZIP | Score |
|---|---|---|
| 1 | 65256 | 23/100 |
| 2 | 65279 | 23/100 |
| 3 | 65248 | 22/100 |
| 4 | 65250 | 22/100 |
| 5 | 65274 | 22/100 |
| 6 | 65254 | 21/100 |
| 7 | 65243 | 19/100 |
| 8 | 65281 | 19/100 |
| 9 | 65230 | 17/100 |
| 10 | 65257 | 11/100 |
Most distressed Howard, MO ZIPs (0-100, 2026)
Mortgage delinquency around Howard, MO
No CFPB county sample covers Howard, MO; the metro area reading for Howard, MO (Columbia, MO): 0.5% ninety-plus; Howard, MO area thirty-to-eighty-nine 1.4% (December 2025, Howard, MO); Missouri overall 0.9%.
Opportunity index: Howard, MO
Howard, MO index 30.6, Howard, MO phase early_signal; Howard, MO primary driver vacancy, Howard, MO second driver construction. Howard, MO components: property stress 20.0, foreclosure pressure 20.5, listing discounts 12.4, bank stress 54.2, insurance 0.0; Howard, MO pulse 39.0; Howard, MO capital opportunity 18.1; Howard, MO seven-day change +0.6%.
ZIP market phases inside Howard, MO
10 Howard, MO ZIPs carry a price-cycle phase; Howard, MO ZIPs by phase (Howard, MO), deepest drawdown first: neutral, +3.4% YoY (Howard, MO): 65230; peak, +3.4% YoY (Howard, MO): 65243, 65257; neutral, +3.5% YoY (Howard, MO): 65248, 65250, 65256, 65274, Howard, MO 65279; peak, +3.8% YoY (Howard, MO): 65254; peak, +4.4% YoY (Howard, MO): 65281.
Residential listings by Howard, MO ZIP
Howard, MO ZIPs with the most tracked Howard, MO residential listings: 65248 1 listings, 0 candidates, bank pressure 58; 65274 1 listings, 0 candidates, bank pressure 58; 65230 0 listings, 0 candidates, bank pressure 56; 65250 0 listings, 0 candidates, bank pressure 58 (Howard, MO); 65254 0 listings, 0 candidates, bank pressure 60. Howard, MO totals: 2 listings; Howard, MO candidates 0; active ZIPs 2.
Lenders with branches in Howard, MO
Howard, MO lenders by branch count: Btc Bank (Howard, MO): stress 76, 2 branches low in Howard, MO; Exchange Bank Of Missouri (Howard, MO): stress 53, 2 branches low in Howard, MO; Commercial Tr Co Of Fayette (Howard, MO): stress 61, 1 branch low in Howard, MO; Regional Missouri Bank (Howard, MO): stress 42, 1 branch low in Howard, MO.
Vacancy and permits, Howard, MO
789 of 4,374 Howard, MO housing units are vacant; Howard, MO permits, twelve months: 0 multifamily units in Howard, MO, 4 one-to-four unit units.
Work Howard, MO at the parcel level
Every Howard, MO parcel carries owner and address; every Howard, MO parcel carries APN; Howard, MO distress scores sit on the Howard, MO live board.
Howard, MO figures refresh with each source.
Howard, MO questions
Most distressed ZIP code in Howard County, MO?
ZIP 65256 leads Howard, MO at 23/100; next in Howard, MO: 65279 at 23/100; the Howard, MO average is 20/100.
Where does Howard County, MO rank for investment opportunity?
Howard, MO is #1,165 among all ranked counties, #37 in Missouri; the Howard, MO driver is vacancy; Howard, MO moved down 775 places.
How many mortgages are delinquent in Howard County, MO?
Howard, MO takes the metro area reading of 0.5% for December 2025; no CFPB county sample covers Howard, MO.
Which banks lend in Howard County, MO?
4 watched lenders hold Howard, MO branches; the largest Howard, MO footprints are Btc Bank (2), Exchange Bank Of Missouri (2), Commercial Tr Co Of Fayette (1).
More on Howard, MO
Howard County, MO distress report: public-record figures for Howard, MO; not legal advice for Howard, MO; not tax or investment advice; verify every Howard, MO record before acting.