St. Clair County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Clair County, Missouri? DLRadar grades every St. Clair County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 St. Clair County breakdown.
- St. Clair County's most distressed ZIP is 65674 at 21/100.
- 16 ZIP codes tracked in St. Clair County, averaging 11/100 distress.
- St. Clair County reads peak — home values up 4.4% year over year.
- Vacancy runs 27% across St. Clair County's tracked ZIPs, with a 17.1% poverty rate.
- The typical St. Clair County home is worth about $176,960 against a ~$46,508 median income.
- Lending headwind in St. Clair County sits at 0/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 65674 | 21/100 |
| 2 | 65355 | 19/100 |
| 3 | 64750 | 18/100 |
| 4 | 64783 | 15/100 |
| 5 | 65735 | 15/100 |
| 6 | 65774 | 12/100 |
| 7 | 64724 | 9/100 |
| 8 | 64738 | 9/100 |
| 9 | 64763 | 9/100 |
| 10 | 64776 | 9/100 |
| 11 | 64780 | 9/100 |
| 12 | 64781 | 9/100 |
Most distressed ZIP codes in St. Clair County (composite distress 0-100, 2026)
What is driving St. Clair County distress
The St. Clair County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 11/100 ZIP average. No proprietary or modelled inputs enter the score.
St. Clair County market phase and pricing
The cycle in St. Clair 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 St. Clair County
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Questions and answers
What is the most distressed ZIP code in St. Clair County, MO?
ZIP 65674 leads St. Clair County at 21/100, recomputed monthly from public records.
Which phase does St. Clair County sit in right now?
Phase for St. Clair County: peak, tracking a 4.4% gain year over year, read off the FHFA index.
What is this St. Clair County analysis built from?
St. Clair 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 16 ZIPs are comparable to anywhere else.
How much do distress scores vary between St. Clair County ZIP codes?
A single county score papers over real variation. Across the St. Clair County ZIPs DLRadar ranks, scores run from 21/100 in 65674 down to 9/100 in 64781, against a St. Clair County average of 11/100. That 12-point gap is why acquisition targeting in St. Clair County works at ZIP level rather than county level.
What do St. Clair County home values and vacancy say about distressed supply?
The typical St. Clair County home carries about $176,960 of value against a median household income near $46,508. Vacancy across St. Clair County's tracked ZIPs runs 27% and the poverty rate is 17.1%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against St. Clair County's foreclosure and tax-lien filings and its 0/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.