Ray County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ray County, MO distress report, 2026: 12 ZIPs scored in Ray, MO, Ray, MO average 13/100; the top Ray, MO ZIP is 64024 at 24/100; Ray, MO market phase peak, Ray, MO prices +2.8% year over year.
- Ray, MO ranks #2,726 nationally (opportunity index); Ray, MO #107 in Missouri; Ray, MO index 24.8.
- Ray, MO: no CFPB county sample; Ray, MO metro area reading 0.8%.
- Ray, MO ZIP phases: 12 peak.
- Ray, MO residential listings tracked: 13 across 7 ZIPs; Ray, MO candidate listings 7.
- Ray, MO HUD assisted properties: 2 with 32 units.
- Ray, MO lenders on watch: 7; largest Ray, MO footprint Btc Bank (1 branch).
- Ray, MO most distressed ZIP: 64024 at 24/100.
Ray, MO figures: DLRadar distress index; Ray, MO inputs: CFPB, FHFA, HUD, FDIC; Ray, MO rebuilt as sources refresh.
| Rank | Ray, MO ZIP | Score |
|---|---|---|
| 1 | 64024 | 24/100 |
| 2 | 64062 | 15/100 |
| 3 | 64624 | 15/100 |
| 4 | 64077 | 14/100 |
| 5 | 64668 | 14/100 |
| 6 | 64637 | 13/100 |
| 7 | 64671 | 13/100 |
| 8 | 64017 | 10/100 |
| 9 | 64035 | 10/100 |
| 10 | 64036 | 10/100 |
| 11 | 64084 | 10/100 |
| 12 | 64085 | 10/100 |
Most distressed Ray, MO ZIPs (0-100, 2026)
Mortgage delinquency around Ray, MO
No CFPB county sample covers Ray, MO; the metro area reading for Ray, MO (Kansas City, MO-KS): 0.8% ninety-plus; Ray, MO area thirty-to-eighty-nine 2.0% (December 2025, Ray, MO); Missouri overall 0.9%.
Opportunity index: Ray, MO
Ray, MO index 24.8, Ray, MO phase weak; Ray, MO primary driver bank institutional, Ray, MO second driver construction. Ray, MO components: property stress 8.7, foreclosure pressure 8.2, listing discounts 23.9, bank stress 57.1, insurance 0.0; Ray, MO pulse 28.1; Ray, MO capital opportunity 19.9.
ZIP market phases inside Ray, MO
12 Ray, MO ZIPs carry a price-cycle phase; Ray, MO ZIPs by phase (Ray, MO), deepest drawdown first: peak, +2.8% YoY (Ray, MO): 64017, 64024, 64036, 64062, Ray, MO 64077, 64084, 64085, 64637, Ray, MO 64671; peak, +2.9% YoY (Ray, MO): 64035; peak, +3.3% YoY (Ray, MO): 64624; peak, +4.1% YoY (Ray, MO): 64668.
Residential listings by Ray, MO ZIP
Ray, MO ZIPs with the most tracked Ray, MO residential listings: 64085 8 listings, 4 candidates, bank pressure 62; 64062 3 listings, 2 candidates, bank pressure 60; 64017 2 listings, 1 candidates, bank pressure 61; 64035 0 listings, 0 candidates, bank pressure 63 (Ray, MO); 64036 0 listings, 0 candidates, bank pressure 62; 64077 0 listings, 0 candidates, bank pressure 59; 64084 0 listings, 0 candidates, bank pressure 62. Ray, MO totals: 13 listings; Ray, MO candidates 7; active ZIPs 3.
HUD assisted housing in Ray, MO
2 assisted properties with 32 units sit in Ray, MO; largest Ray, MO properties: Ideal Apartments (Richmond) 16 units, 14 assisted; Southview Apartments (Richmond) 16 units, 15 assisted.
Lenders with branches in Ray, MO
Ray, MO lenders by branch count: Btc Bank (Ray, MO): stress 76, 1 branch low in Ray, MO; Tbo Bank (Ray, MO): stress 75, 1 branch low in Ray, MO; Flat Branch Bank (Ray, MO): stress 74, 1 branch low in Ray, MO; Goppert Financial Bank (Ray, MO): stress 64, 1 branch low in Ray, MO; Central Trust Bank (Ray, MO): stress 54, 1 branch low in Ray, MO; Academy Bank National Assn (Ray, MO): stress 53, 1 branch low in Ray, MO; Community Bank Of Missouri (Ray, MO): stress 41, 1 branch low in Ray, MO.
Vacancy and permits, Ray, MO
815 of 9,931 Ray, MO housing units are vacant; Ray, MO permits, twelve months: 0 multifamily units in Ray, MO, 75 one-to-four unit units.
Work Ray, MO at the parcel level
Every Ray, MO parcel carries owner and address; every Ray, MO parcel carries APN; Ray, MO distress scores sit on the Ray, MO live board.
Ray, MO figures refresh with each source.
Ray, MO questions
Most distressed ZIP code in Ray County, MO?
ZIP 64024 leads Ray, MO at 24/100; next in Ray, MO: 64062 at 15/100; the Ray, MO average is 13/100.
Where does Ray County, MO rank for investment opportunity?
Ray, MO is #2,726 among all ranked counties, #107 in Missouri; the Ray, MO driver is bank institutional; Ray, MO moved down 33 places.
How many mortgages are delinquent in Ray County, MO?
Ray, MO takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Ray, MO.
Which banks lend in Ray County, MO?
7 watched lenders hold Ray, MO branches; the largest Ray, MO footprints are Btc Bank (1), Tbo Bank (1), Flat Branch Bank (1).
More on Ray, MO
Ray County, MO distress report: public-record figures for Ray, MO; not legal advice for Ray, MO; not tax or investment advice; verify every Ray, MO record before acting.