Scotland County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Scotland County, Missouri? DLRadar grades every Scotland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 11/100. Here is the 2026 Scotland County breakdown.
- Scotland County's most distressed ZIP is 63546 at 11/100.
- 10 ZIP codes tracked in Scotland County, averaging 8/100 distress.
- Scotland County reads peak — home values up 4.4% year over year.
- Vacancy runs 35% across Scotland County's tracked ZIPs, with a 6.6% poverty rate.
- The typical Scotland County home is worth about $154,367 against a ~$64,264 median income.
- Lending headwind in Scotland County sits at 48/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 63546 | 11/100 |
| 2 | 52542 | 10/100 |
| 3 | 63531 | 9/100 |
| 4 | 63543 | 9/100 |
| 5 | 63555 | 9/100 |
| 6 | 63563 | 9/100 |
| 7 | 52573 | 5/100 |
| 8 | 63536 | 5/100 |
| 9 | 63432 | 4/100 |
| 10 | 63474 | 4/100 |
Most distressed ZIP codes in Scotland County (composite distress 0-100, 2026)
What is driving Scotland County distress
Nothing here is estimated: Scotland County is scored from filings alone, and its ZIPs average 8/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Scotland County market phase and pricing
The cycle in Scotland County is peak, with values up 4.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Scotland County
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Common questions
What is the hardest-hit ZIP in Scotland County?
ZIP 63546 leads Scotland County at 11/100, recomputed monthly from public records.
How would you describe the Scotland County market phase?
FHFA price-index movement places Scotland County in peak; prices are up 4.4% over twelve months.
How is the Scotland County data sourced?
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 10 ZIP codes in Scotland County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Scotland County ZIP codes?
A single county score papers over real variation. Across the Scotland County ZIPs DLRadar ranks, scores run from 11/100 in 63546 down to 4/100 in 63474, against a Scotland County average of 8/100. A spread of 7 points means Scotland County has to be worked ZIP by ZIP.
What do Scotland County home values and vacancy say about distressed supply?
The typical Scotland County home carries about $154,367 of value against a median household income near $64,264. Vacancy across Scotland County's tracked ZIPs runs 35% and the poverty rate is 6.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Scotland County's filings and its 48/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.