Howard County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Howard County, Missouri? DLRadar grades every Howard County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Howard County breakdown.
- Howard County's most distressed ZIP is 65256 at 23/100.
- 10 ZIP codes tracked in Howard County, averaging 18/100 distress.
- Howard County reads neutral — home values up 3.5% year over year.
- Vacancy runs 19.6% across Howard County's tracked ZIPs, with a 14.9% poverty rate.
- The typical Howard County home is worth about $187,522 against a ~$67,064 median income.
- Lending headwind in Howard County sits at 41/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 65256 | 23/100 |
| 2 | 65279 | 23/100 |
| 3 | 65243 | 20/100 |
| 4 | 65254 | 18/100 |
| 5 | 65248 | 17/100 |
| 6 | 65250 | 17/100 |
| 7 | 65274 | 17/100 |
| 8 | 65230 | 14/100 |
| 9 | 65281 | 14/100 |
| 10 | 65257 | 13/100 |
Most distressed ZIP codes in Howard County (composite distress 0-100, 2026)
What is driving Howard County distress
DLRadar builds Howard County's distress picture only from records anyone can pull; its ZIPs average 18/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Howard County market phase and pricing
Phase for Howard County: neutral (+3.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Howard County
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Common questions
Which part of Howard County, MO scores highest for distress?
ZIP 65256 leads Howard County at 23/100, recomputed monthly from public records.
What stage of the price cycle is Howard County at?
Howard County reads neutral, with home prices up 3.5% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Howard County analysis built from?
Howard County draws on FHFA (neutral 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 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Howard County ZIP codes?
The county figure is a blend, not a description. Across the Howard County ZIPs DLRadar ranks, scores run from 23/100 in 65256 down to 13/100 in 65257, against a Howard County average of 18/100. A spread of 10 points means Howard County has to be worked ZIP by ZIP.
What do Howard County home values and vacancy say about distressed supply?
The typical Howard County home carries about $187,522 of value against a median household income near $67,064. Vacancy across Howard County's tracked ZIPs runs 19.6% and the poverty rate is 14.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Howard County's foreclosure and tax-lien filings and its 41/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.