Phelps County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Phelps County, Missouri? DLRadar grades every Phelps County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Phelps County breakdown.
- Phelps County's most distressed ZIP is 65409 at 21/100.
- 12 ZIP codes tracked in Phelps County, averaging 20/100 distress.
- Phelps County reads peak — home values up 3.3% year over year.
- Vacancy runs 17.7% across Phelps County's tracked ZIPs, with a 11.9% poverty rate.
- The typical Phelps County home is worth about $165,913 against a ~$55,366 median income.
- Lending headwind in Phelps County sits at 37/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 65409 | 21/100 |
| 2 | 65436 | 21/100 |
| 3 | 65449 | 21/100 |
| 4 | 65461 | 21/100 |
| 5 | 65529 | 21/100 |
| 6 | 65550 | 21/100 |
| 7 | 65542 | 20/100 |
| 8 | 65559 | 20/100 |
| 9 | 65401 | 19/100 |
| 10 | 65462 | 19/100 |
| 11 | 65459 | 17/100 |
| 12 | 65560 | 13/100 |
Most distressed ZIP codes in Phelps County (composite distress 0-100, 2026)
What is driving Phelps County distress
Phelps 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.
Phelps County market phase and pricing
Phelps County currently sits in peak after a 3.3% 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 Phelps County
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Common questions
Which Phelps County ZIP scores worst for distress?
ZIP 65409 leads Phelps County at 21/100, recomputed monthly from public records.
Which phase does Phelps County sit in right now?
Phase for Phelps County: peak, tracking a 3.3% gain year over year, read off the FHFA index.
What is this Phelps County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 12 ZIP codes in Phelps County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Phelps County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Phelps County ZIPs DLRadar ranks, scores run from 21/100 in 65409 down to 13/100 in 65560, against a Phelps County average of 20/100. Because the gap runs to 8 points, Phelps County rewards ZIP-level precision.
What do Phelps County home values and vacancy say about distressed supply?
The typical Phelps County home carries about $165,913 of value against a median household income near $55,366. Vacancy across Phelps County's tracked ZIPs runs 17.7% and the poverty rate is 11.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Phelps County's filings and its 37/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.