St. Charles County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Charles County, Missouri? DLRadar grades every St. Charles County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 St. Charles County breakdown.
- St. Charles County's most distressed ZIP is 63301 at 25/100.
- 15 ZIP codes tracked in St. Charles County, averaging 24/100 distress.
- St. Charles County reads peak — home values up 3.9% year over year.
- Vacancy runs 6.7% across St. Charles County's tracked ZIPs, with a 4.1% poverty rate.
- The typical St. Charles County home is worth about $333,886 against a ~$104,649 median income.
- Lending headwind in St. Charles County sits at 53/100 — 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 | 63301 | 25/100 |
| 2 | 63303 | 25/100 |
| 3 | 63304 | 25/100 |
| 4 | 63332 | 25/100 |
| 5 | 63341 | 25/100 |
| 6 | 63365 | 25/100 |
| 7 | 63366 | 25/100 |
| 8 | 63367 | 25/100 |
| 9 | 63368 | 25/100 |
| 10 | 63373 | 25/100 |
| 11 | 63376 | 25/100 |
| 12 | 63385 | 25/100 |
Most distressed ZIP codes in St. Charles County (composite distress 0-100, 2026)
What is driving St. Charles County distress
St. Charles County's placement in the national index rests on public filings — a 24/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
St. Charles County market phase and pricing
The cycle in St. Charles County is peak, with values up 3.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in St. Charles County
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Questions and answers
What is the hardest-hit ZIP in St. Charles County?
ZIP 63301 leads St. Charles County at 25/100, recomputed monthly from public records.
Where is St. Charles County in the housing cycle?
FHFA price-index movement places St. Charles County in peak; prices are up 3.9% over twelve months.
How is the St. Charles County data sourced?
St. Charles 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 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between St. Charles County ZIP codes?
The county figure is a blend, not a description. Across the St. Charles County ZIPs DLRadar ranks, scores run from 25/100 in 63301 down to 25/100 in 63385, against a St. Charles County average of 24/100. The 0-point range is the argument for ZIP-level search across St. Charles County.
What do St. Charles County home values and vacancy say about distressed supply?
The typical St. Charles County home carries about $333,886 of value against a median household income near $104,649. Vacancy across St. Charles County's tracked ZIPs runs 6.7% and the poverty rate is 4.1%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside St. Charles County's foreclosure and lien data and its 53/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.