Madison County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Missouri? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 63650 at 31/100.
- 7 ZIP codes tracked in Madison County, averaging 20/100 distress.
- Madison County reads peak — home values up 4.4% year over year.
- Vacancy runs 22.2% across Madison County's tracked ZIPs, with a 22.6% poverty rate.
- The typical Madison County home is worth about $149,917 against a ~$56,872 median income.
- Lending headwind in Madison County sits at 0/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 63650 | 31/100 |
| 2 | 63620 | 20/100 |
| 3 | 63621 | 20/100 |
| 4 | 63636 | 20/100 |
| 5 | 63964 | 20/100 |
| 6 | 63645 | 15/100 |
| 7 | 63655 | 15/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
Madison County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 20/100 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.
Madison County market phase and pricing
Madison County currently sits in peak after a 4.4% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Common questions
What is the hardest-hit ZIP in Madison County?
ZIP 63650 leads Madison County at 31/100, recomputed monthly from public records.
How would you describe the Madison County market phase?
Madison County currently sits in peak, with values up 4.4% year on year, based on FHFA price-index trajectory.
How is the Madison County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 7 Madison County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Madison County ZIP codes?
A county average hides the spread. Across the Madison County ZIPs DLRadar ranks, scores run from 31/100 in 63650 down to 15/100 in 63655, against a Madison County average of 20/100. Because the gap runs to 16 points, Madison County rewards ZIP-level precision.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $149,917 of value against a median household income near $56,872. Vacancy across Madison County's tracked ZIPs runs 22.2% and the poverty rate is 22.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Madison County's foreclosure and lien filings and its 0/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.