Howard County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Howard County, NE distress report, 2026: 11 ZIPs scored in Howard, NE, Howard, NE average 15/100; the top Howard, NE ZIP is 68872 at 18/100; Howard, NE market phase contraction, Howard, NE prices -1.5% year over year.
- Howard, NE ranks #1,731 nationally (opportunity index); Howard, NE #35 in Nebraska; Howard, NE index 28.7.
- Howard, NE: no CFPB county sample; Howard, NE non-metro area reading 0.8%.
- Howard, NE ZIP phases: 7 contraction, 4 peak.
- Howard, NE residential listings tracked: 2 across 6 ZIPs; Howard, NE candidate listings 0.
- Howard, NE lenders on watch: 4; largest Howard, NE footprint Citizens Bank&Trust Co (1 branch).
- Howard, NE most distressed ZIP: 68872 at 18/100.
Howard, NE figures: DLRadar distress index; Howard, NE inputs: CFPB, FHFA, HUD, FDIC; Howard, NE rebuilt as sources refresh.
| Rank | Howard, NE ZIP | Score |
|---|---|---|
| 1 | 68872 | 18/100 |
| 2 | 68820 | 17/100 |
| 3 | 68831 | 17/100 |
| 4 | 68838 | 17/100 |
| 5 | 68873 | 17/100 |
| 6 | 68835 | 16/100 |
| 7 | 68864 | 15/100 |
| 8 | 68875 | 14/100 |
| 9 | 68882 | 14/100 |
| 10 | 68824 | 12/100 |
| 11 | 68817 | 6/100 |
Most distressed Howard, NE ZIPs (0-100, 2026)
Mortgage delinquency around Howard, NE
No CFPB county sample covers Howard, NE; the non-metro area reading for Howard, NE: 0.8% ninety-plus; Howard, NE area thirty-to-eighty-nine 2.1% (December 2025, Howard, NE); Nebraska overall 0.6%.
Opportunity index: Howard, NE
Howard, NE index 28.7, Howard, NE phase early_signal; Howard, NE primary driver vacancy, Howard, NE second driver bank institutional. Howard, NE components: property stress 23.7, foreclosure pressure 20.4, listing discounts 33.4, bank stress 37.5, insurance 0.0; Howard, NE pulse 27.5; Howard, NE capital opportunity 30.6; Howard, NE seven-day change +0.2%.
ZIP market phases inside Howard, NE
11 Howard, NE ZIPs carry a price-cycle phase; Howard, NE ZIPs by phase (Howard, NE), deepest drawdown first: contraction, -1.5% YoY, 1.5% off peak (Howard, NE): 68820, 68824, 68831, 68838, Howard, NE 68872, 68873; contraction, -1.0% YoY, 1.3% off peak (Howard, NE): 68835; peak, +0.3% YoY, 0.9% off peak (Howard, NE): 68864; peak, +2.1% YoY, 0.4% off peak (Howard, NE): 68882; peak, +2.7% YoY, 0.2% off peak (Howard, NE): 68817; peak, +3.1% YoY, 0.1% off peak (Howard, NE): 68875.
Residential listings by Howard, NE ZIP
Howard, NE ZIPs with the most tracked Howard, NE residential listings: 68831 1 listings, 0 candidates, bank pressure 54; 68873 1 listings, 0 candidates, bank pressure 37; 68820 0 listings, 0 candidates, bank pressure 37; 68835 0 listings, 0 candidates, bank pressure 47 (Howard, NE); 68838 0 listings, 0 candidates, bank pressure 37; 68872 0 listings, 0 candidates, bank pressure 55. Howard, NE totals: 2 listings; Howard, NE candidates 0; active ZIPs 2.
Lenders with branches in Howard, NE
Howard, NE lenders by branch count: Citizens Bank&Trust Co (Howard, NE): stress 74, 1 branch low in Howard, NE; Boelus State Bank (Howard, NE): stress 46, 1 branch low in Howard, NE; Homestead Bank (Howard, NE): stress 28, 1 branch low in Howard, NE; Heritage Bank (Howard, NE): stress 0, 1 branch low in Howard, NE.
Vacancy and permits, Howard, NE
390 of 2,894 Howard, NE housing units are vacant; Howard, NE permits, twelve months: 0 multifamily units in Howard, NE, 17 one-to-four unit units.
Work Howard, NE at the parcel level
Every Howard, NE parcel carries owner and address; every Howard, NE parcel carries APN; Howard, NE distress scores sit on the Howard, NE live board.
Howard, NE figures refresh with each source.
Howard, NE questions
Most distressed ZIP code in Howard County, NE?
ZIP 68872 leads Howard, NE at 18/100; next in Howard, NE: 68820 at 17/100; the Howard, NE average is 15/100.
Where does Howard County, NE rank for investment opportunity?
Howard, NE is #1,731 among all ranked counties, #35 in Nebraska; the Howard, NE driver is vacancy; Howard, NE moved up 1,040 places.
How many mortgages are delinquent in Howard County, NE?
Howard, NE takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Howard, NE.
Which banks lend in Howard County, NE?
4 watched lenders hold Howard, NE branches; the largest Howard, NE footprints are Citizens Bank&Trust Co (1), Boelus State Bank (1), Homestead Bank (1).
More on Howard, NE
Howard County, NE distress report: public-record figures for Howard, NE; not legal advice for Howard, NE; not tax or investment advice; verify every Howard, NE record before acting.