Howard County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Howard County, Nebraska? DLRadar grades every Howard County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Howard County breakdown.
- Howard County's most distressed ZIP is 68872 at 19/100.
- 11 ZIP codes tracked in Howard County, averaging 14/100 distress.
- Howard County reads contraction — home values down 1.5% year over year, 1.5% off peak.
- Vacancy runs 15.8% across Howard County's tracked ZIPs, with a 8.2% poverty rate.
- The typical Howard County home is worth about $164,882 against a ~$71,000 median income.
- Lending headwind in Howard County sits at 0/100 — 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 | 68872 | 19/100 |
| 2 | 68820 | 17/100 |
| 3 | 68838 | 17/100 |
| 4 | 68873 | 17/100 |
| 5 | 68831 | 16/100 |
| 6 | 68835 | 16/100 |
| 7 | 68864 | 16/100 |
| 8 | 68824 | 12/100 |
| 9 | 68882 | 11/100 |
| 10 | 68875 | 10/100 |
| 11 | 68817 | 6/100 |
Most distressed ZIP codes in Howard County (composite distress 0-100, 2026)
What is driving Howard County distress
The Howard County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 14/100 ZIP average. No proprietary or modelled inputs enter the score.
Howard County market phase and pricing
Phase for Howard County: contraction (-1.5% YoY, 1.5% off peak). 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
What is the most distressed ZIP code in Howard County, NE?
ZIP 68872 leads Howard County at 19/100, recomputed monthly from public records.
What stage of the price cycle is Howard County at?
Phase for Howard County: contraction, tracking a 1.5% decline year over year, read off the FHFA index.
What are the sources behind these Howard County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 11 Howard County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
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 19/100 in 68872 down to 6/100 in 68817, against a Howard County average of 14/100. The 13-point range is the argument for ZIP-level search across Howard County.
What do Howard County home values and vacancy say about distressed supply?
The typical Howard County home carries about $164,882 of value against a median household income near $71,000. Vacancy across Howard County's tracked ZIPs runs 15.8% and the poverty rate is 8.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Howard County's foreclosure and lien filings and its 0/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.