St. Francois County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Francois County, MO distress report, 2026: 15 ZIPs scored in St. Francois, MO, St. Francois, MO average 29/100; the top St. Francois, MO ZIP is 63087 at 32/100; St. Francois, MO market phase peak, St. Francois, MO prices +3.3% year over year.
- St. Francois, MO ranks #431 nationally (opportunity index); St. Francois, MO #11 in Missouri; St. Francois, MO index 33.8.
- St. Francois, MO: no CFPB county sample; St. Francois, MO non-metro area reading 0.9%.
- St. Francois, MO ZIP phases: 15 peak.
- St. Francois, MO residential listings tracked: 33 across 8 ZIPs; St. Francois, MO candidate listings 24.
- St. Francois, MO HUD assisted properties: 4 with 92 units.
- St. Francois, MO lenders on watch: 5; largest St. Francois, MO footprint First State Community Bank (9 branches).
- St. Francois, MO most distressed ZIP: 63087 at 32/100.
St. Francois, MO figures: DLRadar distress index; St. Francois, MO inputs: CFPB, FHFA, HUD, FDIC; St. Francois, MO rebuilt as sources refresh.
| Rank | St. Francois, MO ZIP | Score |
|---|---|---|
| 1 | 63087 | 32/100 |
| 2 | 63601 | 32/100 |
| 3 | 63637 | 32/100 |
| 4 | 63650 | 32/100 |
| 5 | 63653 | 32/100 |
| 6 | 63036 | 31/100 |
| 7 | 63624 | 31/100 |
| 8 | 63628 | 31/100 |
| 9 | 63020 | 30/100 |
| 10 | 63028 | 30/100 |
| 11 | 63640 | 30/100 |
| 12 | 63626 | 28/100 |
Most distressed St. Francois, MO ZIPs (0-100, 2026)
Mortgage delinquency around St. Francois, MO
No CFPB county sample covers St. Francois, MO; the non-metro area reading for St. Francois, MO: 0.9% ninety-plus; St. Francois, MO area thirty-to-eighty-nine 2.4% (December 2025, St. Francois, MO); Missouri overall 0.9%.
Opportunity index: St. Francois, MO
St. Francois, MO index 33.8, St. Francois, MO phase peak_opportunity; St. Francois, MO primary driver construction, St. Francois, MO second driver vacancy. St. Francois, MO components: property stress 19.3, foreclosure pressure 18.8, listing discounts 38.6, bank stress 50.9, insurance 0.0; St. Francois, MO pulse 36.9; St. Francois, MO capital opportunity 29.1; St. Francois, MO seven-day change +0.1%.
ZIP market phases inside St. Francois, MO
15 St. Francois, MO ZIPs carry a price-cycle phase; St. Francois, MO ZIPs by phase (St. Francois, MO), deepest drawdown first: peak, +4.0% YoY (St. Francois, MO): 63020, 63028; peak, +3.6% YoY (St. Francois, MO): 63036; peak, +3.4% YoY (St. Francois, MO): 63087; peak, +3.3% YoY (St. Francois, MO): 63601, 63637, 63653; peak, +3.8% YoY (St. Francois, MO): 63624; peak, +4.2% YoY (St. Francois, MO): 63626, 63650; peak, +3.5% YoY (St. Francois, MO): 63628; peak, +4.4% YoY (St. Francois, MO): 63630; peak, +3.7% YoY (St. Francois, MO): 63640; peak, +4.3% YoY (St. Francois, MO): 63645, 63648.
Residential listings by St. Francois, MO ZIP
St. Francois, MO ZIPs with the most tracked St. Francois, MO residential listings: 63601 9 listings, 8 candidates, bank pressure 54; 63640 9 listings, 7 candidates, bank pressure 54; 63628 8 listings, 6 candidates, bank pressure 59; 63624 3 listings, 1 candidates, bank pressure 52 (St. Francois, MO); 63036 2 listings, 1 candidates, bank pressure 54; 63087 1 listings, 1 candidates, bank pressure 59; 63637 1 listings, 0 candidates, bank pressure 54; 63653 0 listings, 0 candidates, bank pressure 54. St. Francois, MO totals: 33 listings; St. Francois, MO candidates 24; active ZIPs 0.
HUD assisted housing in St. Francois, MO
4 assisted properties with 92 units sit in St. Francois, MO; largest St. Francois, MO properties: Flat River Apartments (Park Hills) 50 units, 50 assisted; Summit Grove Apartment (Bonne Terre) 28 units; Friendship House (Farmington) 14 units, 14 assisted in St. Francois, MO; Icon At Farmington Apartments (Farmington) 0 units.
Lenders with branches in St. Francois, MO
St. Francois, MO lenders by branch count: First State Community Bank (St. Francois, MO): stress 45, 9 branches low in St. Francois, MO; New Era Bank (St. Francois, MO): stress 27, 5 branches low in St. Francois, MO; Unico Bank (St. Francois, MO): stress 68, 4 branches low in St. Francois, MO; Belgrade State Bank (St. Francois, MO): stress 63, 2 branches low in St. Francois, MO; Ozarks Fs&La (St. Francois, MO): stress 56, 1 branch low in St. Francois, MO.
Vacancy and permits, St. Francois, MO
4,129 of 28,945 St. Francois, MO housing units are vacant; St. Francois, MO permits, twelve months: 44 multifamily units in St. Francois, MO, 111 one-to-four unit units.
Work St. Francois, MO at the parcel level
Every St. Francois, MO parcel carries owner and address; every St. Francois, MO parcel carries APN; St. Francois, MO distress scores sit on the St. Francois, MO live board.
St. Francois, MO figures refresh with each source.
St. Francois, MO questions
Most distressed ZIP code in St. Francois County, MO?
ZIP 63087 leads St. Francois, MO at 32/100; next in St. Francois, MO: 63601 at 32/100; the St. Francois, MO average is 29/100.
Where does St. Francois County, MO rank for investment opportunity?
St. Francois, MO is #431 among all ranked counties, #11 in Missouri; the St. Francois, MO driver is construction; St. Francois, MO moved up 298 places.
How many mortgages are delinquent in St. Francois County, MO?
St. Francois, MO takes the non-metro area reading of 0.9% for December 2025; no CFPB county sample covers St. Francois, MO.
Which banks lend in St. Francois County, MO?
5 watched lenders hold St. Francois, MO branches; the largest St. Francois, MO footprints are First State Community Bank (9), New Era Bank (5), Unico Bank (4).
More on St. Francois, MO
St. Francois County, MO distress report: public-record figures for St. Francois, MO; not legal advice for St. Francois, MO; not tax or investment advice; verify every St. Francois, MO record before acting.