Madison County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, MO distress report, 2026: 7 ZIPs scored in Madison, MO, Madison, MO average 21/100; the top Madison, MO ZIP is 63650 at 32/100; Madison, MO market phase peak, Madison, MO prices +4.4% year over year.
- Madison, MO ranks #568 nationally (opportunity index); Madison, MO #17 in Missouri; Madison, MO index 33.1.
- Madison, MO: no CFPB county sample; Madison, MO non-metro area reading 0.9%.
- Madison, MO ZIP phases: 7 peak.
- Madison, MO residential listings tracked: 22 across 2 ZIPs; Madison, MO candidate listings 13.
- Madison, MO HUD assisted properties: 2 with 33 units.
- Madison, MO lenders on watch: 4; largest Madison, MO footprint New Era Bank (3 branches).
- Madison, MO most distressed ZIP: 63650 at 32/100.
Madison, MO figures: DLRadar distress index; Madison, MO inputs: CFPB, FHFA, HUD, FDIC; Madison, MO rebuilt as sources refresh.
| Rank | Madison, MO ZIP | Score |
|---|---|---|
| 1 | 63650 | 32/100 |
| 2 | 63620 | 22/100 |
| 3 | 63621 | 21/100 |
| 4 | 63636 | 21/100 |
| 5 | 63964 | 21/100 |
| 6 | 63645 | 16/100 |
| 7 | 63655 | 16/100 |
Most distressed Madison, MO ZIPs (0-100, 2026)
Mortgage delinquency around Madison, MO
No CFPB county sample covers Madison, MO; the non-metro area reading for Madison, MO: 0.9% ninety-plus; Madison, MO area thirty-to-eighty-nine 2.4% (December 2025, Madison, MO); Missouri overall 0.9%.
Opportunity index: Madison, MO
Madison, MO index 33.1, Madison, MO phase peak_opportunity; Madison, MO primary driver vacancy, Madison, MO second driver bank institutional. Madison, MO components: property stress 24.5, foreclosure pressure 25.7, listing discounts 44.6, bank stress 45.8, insurance 0.0; Madison, MO pulse 32.7; Madison, MO capital opportunity 33.6; Madison, MO seven-day change +0.5%.
ZIP market phases inside Madison, MO
7 Madison, MO ZIPs carry a price-cycle phase; Madison, MO ZIPs by phase (Madison, MO), deepest drawdown first: peak, +4.4% YoY, 0.6% off peak (Madison, MO): 63655; peak, +4.4% YoY (Madison, MO): 63620, 63621, 63636, 63964; peak, +4.3% YoY (Madison, MO): 63645; peak, +4.2% YoY (Madison, MO): 63650.
Residential listings by Madison, MO ZIP
Madison, MO ZIPs with the most tracked Madison, MO residential listings: 63645 16 listings, 11 candidates, bank pressure 53; 63655 6 listings, 2 candidates, bank pressure 44. Madison, MO totals: 22 listings; Madison, MO candidates 13; active ZIPs 0.
HUD assisted housing in Madison, MO
2 assisted properties with 33 units sit in Madison, MO; largest Madison, MO properties: Oaks Terrace Apartments (Fredericktown) 18 units, 17 assisted; New Morning Apartments (Fredericktown) 15 units, 14 assisted.
Lenders with branches in Madison, MO
Madison, MO lenders by branch count: New Era Bank (Madison, MO): stress 27, 3 branches low in Madison, MO; Great Southern Bank (Madison, MO): stress 62, 1 branch low in Madison, MO; Ozarks Fs&La (Madison, MO): stress 56, 1 branch low in Madison, MO; First State Community Bank (Madison, MO): stress 45, 1 branch low in Madison, MO.
Vacancy and permits, Madison, MO
1,183 of 5,866 Madison, MO housing units are vacant; Madison, MO permits, twelve months: 0 multifamily units in Madison, MO, 40 one-to-four unit units.
Work Madison, MO at the parcel level
Every Madison, MO parcel carries owner and address; every Madison, MO parcel carries APN; Madison, MO distress scores sit on the Madison, MO live board.
Madison, MO figures refresh with each source.
Madison, MO questions
Most distressed ZIP code in Madison County, MO?
ZIP 63650 leads Madison, MO at 32/100; next in Madison, MO: 63620 at 22/100; the Madison, MO average is 21/100.
Where does Madison County, MO rank for investment opportunity?
Madison, MO is #568 among all ranked counties, #17 in Missouri; the Madison, MO driver is vacancy; Madison, MO moved up 1,122 places.
How many mortgages are delinquent in Madison County, MO?
Madison, MO takes the non-metro area reading of 0.9% for December 2025; no CFPB county sample covers Madison, MO.
Which banks lend in Madison County, MO?
4 watched lenders hold Madison, MO branches; the largest Madison, MO footprints are New Era Bank (3), Great Southern Bank (1), Ozarks Fs&La (1).
More on Madison, MO
Madison County, MO distress report: public-record figures for Madison, MO; not legal advice for Madison, MO; not tax or investment advice; verify every Madison, MO record before acting.