Montgomery County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Missouri? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 65264 at 19/100.
- 11 ZIP codes tracked in Montgomery County, averaging 15/100 distress.
- Montgomery County reads peak — home values up 4.4% year over year.
- Vacancy runs 20.1% across Montgomery County's tracked ZIPs, with a 10.9% poverty rate.
- The typical Montgomery County home is worth about $174,010 against a ~$64,882 median income.
- Lending headwind in Montgomery County sits at 60/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 65264 | 19/100 |
| 2 | 63359 | 18/100 |
| 3 | 63381 | 16/100 |
| 4 | 63351 | 15/100 |
| 5 | 63361 | 15/100 |
| 6 | 65041 | 15/100 |
| 7 | 63384 | 14/100 |
| 8 | 65069 | 14/100 |
| 9 | 63333 | 13/100 |
| 10 | 63350 | 13/100 |
| 11 | 63363 | 13/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Montgomery County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 15/100 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.
Montgomery County market phase and pricing
Montgomery 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.
See the distressed properties behind the data in Montgomery County
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Questions and answers
Which ZIP code leads Montgomery County on distress?
ZIP 65264 leads Montgomery County at 19/100, recomputed monthly from public records.
Is Montgomery County expanding or contracting?
Montgomery County is classified peak with a 4.4% year-over-year increase, following the FHFA House Price Index.
How is the Montgomery County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 11 Montgomery County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montgomery County ZIP codes?
The county figure is a blend, not a description. Across the Montgomery County ZIPs DLRadar ranks, scores run from 19/100 in 65264 down to 13/100 in 63363, against a Montgomery County average of 15/100. That 6-point gap is why acquisition targeting in Montgomery County works at ZIP level rather than county level.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $174,010 of value against a median household income near $64,882. Vacancy across Montgomery County's tracked ZIPs runs 20.1% and the poverty rate is 10.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Montgomery County's filings and its 60/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.