St. Charles County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Charles County, MO distress report, 2026: 15 ZIPs scored in St. Charles, MO, St. Charles, MO average 22/100; the top St. Charles, MO ZIP is 63301 at 23/100; St. Charles, MO market phase peak, St. Charles, MO prices +3.9% year over year.
- St. Charles, MO ranks #2,643 nationally (opportunity index); St. Charles, MO #102 in Missouri; St. Charles, MO index 25.2.
- St. Charles, MO ninety-day mortgage delinquency 0.5% in December 2025; St. Charles, MO twelve-month change 0.0%.
- St. Charles, MO ZIP phases: 15 peak.
- St. Charles, MO residential listings tracked: 276 across 14 ZIPs; St. Charles, MO candidate listings 41.
- St. Charles, MO HUD assisted properties: 16 with 1,856 units.
- St. Charles, MO lenders on watch: 8; largest St. Charles, MO footprint Great Southern Bank (7 branches).
- St. Charles, MO most distressed ZIP: 63301 at 23/100.
St. Charles, MO figures: DLRadar distress index; St. Charles, MO inputs: CFPB, FHFA, HUD, FDIC; St. Charles, MO rebuilt as sources refresh.
| Rank | St. Charles, MO ZIP | Score |
|---|---|---|
| 1 | 63301 | 23/100 |
| 2 | 63303 | 23/100 |
| 3 | 63304 | 23/100 |
| 4 | 63332 | 23/100 |
| 5 | 63341 | 23/100 |
| 6 | 63365 | 23/100 |
| 7 | 63366 | 23/100 |
| 8 | 63367 | 23/100 |
| 9 | 63368 | 23/100 |
| 10 | 63373 | 23/100 |
| 11 | 63376 | 23/100 |
| 12 | 63385 | 23/100 |
Most distressed St. Charles, MO ZIPs (0-100, 2026)
Mortgage delinquency in St. Charles, MO
0.5% of St. Charles, MO mortgages were ninety-plus days late (St. Charles, MO, December 2025); St. Charles, MO thirty-to-eighty-nine days late: 1.6%; St. Charles, MO twelve-month change 0.0%; St. Charles, MO peak since 2008: 2.8% (December 2009); Missouri overall 0.9%. St. Charles, MO ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 0.6 (St. Charles, MO), Mar 25 0.4, Apr 25 0.5, May 25 0.4 (St. Charles, MO), Jun 25 0.4, Jul 25 0.6, Aug 25 0.5 (St. Charles, MO), Sep 25 0.5, Oct 25 0.7, Nov 25 0.7 (St. Charles, MO), Dec 25 0.5.
Opportunity index: St. Charles, MO
St. Charles, MO index 25.2, St. Charles, MO phase weak; St. Charles, MO primary driver bank institutional, St. Charles, MO second driver listings discount. St. Charles, MO components: property stress 7.0, foreclosure pressure 4.2, listing discounts 40.7, bank stress 56.4, insurance 0.0; St. Charles, MO pulse 24.2; St. Charles, MO capital opportunity 26.6; St. Charles, MO seven-day change +0.5%.
ZIP market phases inside St. Charles, MO
15 St. Charles, MO ZIPs carry a price-cycle phase; St. Charles, MO ZIPs by phase (St. Charles, MO), deepest drawdown first: peak, +3.9% YoY (St. Charles, MO): 63301, 63303, 63304, 63332, St. Charles, MO 63341, 63348, 63357, 63365, St. Charles, MO 63366, 63367, 63368, 63373, St. Charles, MO 63376, 63385, 63386.
Residential listings by St. Charles, MO ZIP
St. Charles, MO ZIPs with the most tracked St. Charles, MO residential listings: 63301 57 listings, 7 candidates, bank pressure 62; 63368 52 listings, 6 candidates, bank pressure 62; 63303 39 listings, 10 candidates, bank pressure 62; 63366 39 listings, 1 candidates, bank pressure 62 (St. Charles, MO); 63304 31 listings, 6 candidates, bank pressure 62; 63376 21 listings, 1 candidates, bank pressure 62; 63367 19 listings, 4 candidates, bank pressure 62; 63385 10 listings, 2 candidates, bank pressure 62. St. Charles, MO totals: 276 listings; St. Charles, MO candidates 41; active ZIPs 11.
HUD assisted housing in St. Charles, MO
16 assisted properties with 1,856 units sit in St. Charles, MO; largest St. Charles, MO properties: Remington Apartments (St. Charles) 472 units; Waterways Of Lake St. Louis (Lake Saint Louis) 344 units; Sterling Heights (Saint Charles) 186 units in St. Charles, MO; Savannah Ridge Apartments (O'Fallon) 168 units; Jaycee Fairgrounds Village (St. Charles) 135 units, 134 assisted; Courtland Ridge Apartments (St. Charles) 124 units.
Lenders with branches in St. Charles, MO
St. Charles, MO lenders by branch count: Great Southern Bank (St. Charles, MO): stress 62, 7 branches low in St. Charles, MO; First Bank (St. Charles, MO): stress 83, 6 branches low in St. Charles, MO; Commerce Bank (St. Charles, MO): stress 62, 6 branches low in St. Charles, MO; Central Trust Bank (St. Charles, MO): stress 54, 6 branches low in St. Charles, MO; First Stb Of St Charles Mo (St. Charles, MO): stress 38, 4 branches low in St. Charles, MO; New Frontier Bank (St. Charles, MO): stress 73, 3 branches low in St. Charles, MO; Peoples Sb Of Rhineland (St. Charles, MO): stress 72, 3 branches low in St. Charles, MO; Umb Bank National Assn (St. Charles, MO): stress 60, 3 branches low in St. Charles, MO.
Vacancy and permits, St. Charles, MO
5,852 of 167,163 St. Charles, MO housing units are vacant; St. Charles, MO permits, twelve months: 747 multifamily units in St. Charles, MO, 1,393 one-to-four unit units.
Work St. Charles, MO at the parcel level
Every St. Charles, MO parcel carries owner and address; every St. Charles, MO parcel carries APN; St. Charles, MO distress scores sit on the St. Charles, MO live board.
St. Charles, MO figures refresh with each source.
St. Charles, MO questions
Most distressed ZIP code in St. Charles County, MO?
ZIP 63301 leads St. Charles, MO at 23/100; next in St. Charles, MO: 63303 at 23/100; the St. Charles, MO average is 22/100.
Where does St. Charles County, MO rank for investment opportunity?
St. Charles, MO is #2,643 among all ranked counties, #102 in Missouri; the St. Charles, MO driver is bank institutional; St. Charles, MO moved up 456 places.
How many mortgages are delinquent in St. Charles County, MO?
0.5% of St. Charles, MO mortgages were ninety-plus days late in December 2025; the St. Charles, MO peak since 2008 was 2.8%.
Which banks lend in St. Charles County, MO?
8 watched lenders hold St. Charles, MO branches; the largest St. Charles, MO footprints are Great Southern Bank (7), First Bank (6), Commerce Bank (6).
More on St. Charles, MO
St. Charles County, MO distress report: public-record figures for St. Charles, MO; not legal advice for St. Charles, MO; not tax or investment advice; verify every St. Charles, MO record before acting.