Ray County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ray County, Missouri? DLRadar grades every Ray County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Ray County breakdown.
- Ray County's most distressed ZIP is 64024 at 21/100.
- 12 ZIP codes tracked in Ray County, averaging 13/100 distress.
- Ray County reads peak — home values up 2.8% year over year.
- Vacancy runs 15.4% across Ray County's tracked ZIPs, with a 14.4% poverty rate.
- The typical Ray County home is worth about $165,717 against a ~$75,006 median income.
- Lending headwind in Ray County sits at 39/100 — 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 | 64024 | 21/100 |
| 2 | 64062 | 15/100 |
| 3 | 64624 | 14/100 |
| 4 | 64077 | 13/100 |
| 5 | 64637 | 13/100 |
| 6 | 64668 | 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 ZIP codes in Ray County (composite distress 0-100, 2026)
What is driving Ray County distress
DLRadar builds Ray County's distress picture only from records anyone can pull; its ZIPs average 13/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Ray County market phase and pricing
Phase for Ray County: peak (+2.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Ray County
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Questions and answers
What is the most distressed ZIP code in Ray County, MO?
ZIP 64024 leads Ray County at 21/100, recomputed monthly from public records.
What stage of the price cycle is Ray County at?
FHFA price-index movement places Ray County in peak; prices are up 2.8% over twelve months.
How is the Ray County data sourced?
Ray County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 12 ZIPs are comparable to anywhere else.
How much do distress scores vary between Ray County ZIP codes?
The county figure is a blend, not a description. Across the Ray County ZIPs DLRadar ranks, scores run from 21/100 in 64024 down to 10/100 in 64085, against a Ray County average of 13/100. With 11 points between best and worst, county-level targeting in Ray County wastes effort.
What do Ray County home values and vacancy say about distressed supply?
The typical Ray County home carries about $165,717 of value against a median household income near $75,006. Vacancy across Ray County's tracked ZIPs runs 15.4% and the poverty rate is 14.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Ray County's foreclosure and lien filings and its 39/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.