Phelps County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Phelps County, MO distress report, 2026: 12 ZIPs scored in Phelps, MO, Phelps, MO average 19/100; the top Phelps, MO ZIP is 65449 at 22/100; Phelps, MO market phase peak, Phelps, MO prices +3.3% year over year.
- Phelps, MO ranks #2,025 nationally (opportunity index); Phelps, MO #73 in Missouri; Phelps, MO index 27.6.
- Phelps, MO: no CFPB county sample; Phelps, MO non-metro area reading 0.9%.
- Phelps, MO ZIP phases: 12 peak.
- Phelps, MO residential listings tracked: 14 across 7 ZIPs; Phelps, MO candidate listings 5.
- Phelps, MO HUD assisted properties: 2 with 194 units.
- Phelps, MO lenders on watch: 8; largest Phelps, MO footprint Phelps County Bank (4 branches).
- Phelps, MO most distressed ZIP: 65449 at 22/100.
Phelps, MO figures: DLRadar distress index; Phelps, MO inputs: CFPB, FHFA, HUD, FDIC; Phelps, MO rebuilt as sources refresh.
| Rank | Phelps, MO ZIP | Score |
|---|---|---|
| 1 | 65449 | 22/100 |
| 2 | 65409 | 20/100 |
| 3 | 65436 | 20/100 |
| 4 | 65461 | 20/100 |
| 5 | 65529 | 20/100 |
| 6 | 65550 | 20/100 |
| 7 | 65401 | 19/100 |
| 8 | 65462 | 19/100 |
| 9 | 65542 | 19/100 |
| 10 | 65559 | 19/100 |
| 11 | 65459 | 16/100 |
| 12 | 65560 | 14/100 |
Most distressed Phelps, MO ZIPs (0-100, 2026)
Mortgage delinquency around Phelps, MO
No CFPB county sample covers Phelps, MO; the non-metro area reading for Phelps, MO: 0.9% ninety-plus; Phelps, MO area thirty-to-eighty-nine 2.4% (December 2025, Phelps, MO); Missouri overall 0.9%.
Opportunity index: Phelps, MO
Phelps, MO index 27.6, Phelps, MO phase weak; Phelps, MO primary driver vacancy, Phelps, MO second driver bank institutional. Phelps, MO components: property stress 20.2, foreclosure pressure 20.4, listing discounts 31.4, bank stress 50.9, insurance 0.0; Phelps, MO pulse 28.4; Phelps, MO capital opportunity 26.4; Phelps, MO seven-day change +0.3%.
ZIP market phases inside Phelps, MO
12 Phelps, MO ZIPs carry a price-cycle phase; Phelps, MO ZIPs by phase (Phelps, MO), deepest drawdown first: peak, +3.5% YoY (Phelps, MO): 65401, 65462, 65559; peak, +3.3% YoY (Phelps, MO): 65409, 65436, 65461, 65529, Phelps, MO 65550; peak, +4.3% YoY (Phelps, MO): 65449; peak, +4.0% YoY (Phelps, MO): 65459; peak, +4.4% YoY (Phelps, MO): 65542, 65560.
Residential listings by Phelps, MO ZIP
Phelps, MO ZIPs with the most tracked Phelps, MO residential listings: 65401 10 listings, 5 candidates, bank pressure 54; 65559 4 listings, 0 candidates, bank pressure 55; 65409 0 listings, 0 candidates, bank pressure 59; 65436 0 listings, 0 candidates, bank pressure 56 (Phelps, MO); 65462 0 listings, 0 candidates, bank pressure 57; 65529 0 listings, 0 candidates, bank pressure 59; 65550 0 listings, 0 candidates, bank pressure 62. Phelps, MO totals: 14 listings; Phelps, MO candidates 5; active ZIPs 0.
HUD assisted housing in Phelps, MO
2 assisted properties with 194 units sit in Phelps, MO; largest Phelps, MO properties: Rolla Apartments (Rolla) 150 units, 150 assisted; Forum Manor (Rolla) 44 units, 44 assisted.
Lenders with branches in Phelps, MO
Phelps, MO lenders by branch count: Phelps County Bank (Phelps, MO): stress 71, 4 branches low in Phelps, MO; Town&Country Bank (Phelps, MO): stress 37, 3 branches low in Phelps, MO; Fcnb Bank (Phelps, MO): stress 88, 2 branches low in Phelps, MO; Citizens Bank Of The Midwest (Phelps, MO): stress 81, 2 branches low in Phelps, MO; Legends Bank (Phelps, MO): stress 16, 2 branches low in Phelps, MO; Bank Of Missouri (Phelps, MO): stress 66, 1 branch low in Phelps, MO; Southern Bank (Phelps, MO): stress 58, 1 branch low in Phelps, MO; Maries County Bank (Phelps, MO): stress 58, 1 branch low in Phelps, MO.
Vacancy and permits, Phelps, MO
2,966 of 20,295 Phelps, MO housing units are vacant; Phelps, MO permits, twelve months: 88 multifamily units in Phelps, MO, 90 one-to-four unit units.
Work Phelps, MO at the parcel level
Every Phelps, MO parcel carries owner and address; every Phelps, MO parcel carries APN; Phelps, MO distress scores sit on the Phelps, MO live board.
Phelps, MO figures refresh with each source.
Phelps, MO questions
Most distressed ZIP code in Phelps County, MO?
ZIP 65449 leads Phelps, MO at 22/100; next in Phelps, MO: 65409 at 20/100; the Phelps, MO average is 19/100.
Where does Phelps County, MO rank for investment opportunity?
Phelps, MO is #2,025 among all ranked counties, #73 in Missouri; the Phelps, MO driver is vacancy; Phelps, MO moved up 602 places.
How many mortgages are delinquent in Phelps County, MO?
Phelps, MO takes the non-metro area reading of 0.9% for December 2025; no CFPB county sample covers Phelps, MO.
Which banks lend in Phelps County, MO?
8 watched lenders hold Phelps, MO branches; the largest Phelps, MO footprints are Phelps County Bank (4), Town&Country Bank (3), Fcnb Bank (2).
More on Phelps, MO
Phelps County, MO distress report: public-record figures for Phelps, MO; not legal advice for Phelps, MO; not tax or investment advice; verify every Phelps, MO record before acting.