St. Louis County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Louis County, MO distress report, 2026: 47 ZIPs scored in St. Louis, MO, St. Louis, MO average 33/100; the top St. Louis, MO ZIP is 63005 at 33/100; St. Louis, MO market phase peak, St. Louis, MO prices +3.9% year over year.
- St. Louis, MO ranks #1,214 nationally (opportunity index); St. Louis, MO #41 in Missouri; St. Louis, MO index 30.4.
- St. Louis, MO ninety-day mortgage delinquency 0.9% in December 2025; St. Louis, MO twelve-month change +0.1%.
- St. Louis, MO ZIP phases: 47 peak.
- St. Louis, MO residential listings tracked: 508 across 43 ZIPs; St. Louis, MO candidate listings 212.
- St. Louis, MO lenders on watch: 8; largest St. Louis, MO footprint Commerce Bank (22 branches).
- St. Louis, MO most distressed ZIP: 63005 at 33/100.
St. Louis, MO figures: DLRadar distress index; St. Louis, MO inputs: CFPB, FHFA, HUD, FDIC; St. Louis, MO rebuilt as sources refresh.
| Rank | St. Louis, MO ZIP | Score |
|---|---|---|
| 1 | 63005 | 33/100 |
| 2 | 63011 | 33/100 |
| 3 | 63017 | 33/100 |
| 4 | 63021 | 33/100 |
| 5 | 63031 | 33/100 |
| 6 | 63033 | 33/100 |
| 7 | 63034 | 33/100 |
| 8 | 63038 | 33/100 |
| 9 | 63040 | 33/100 |
| 10 | 63042 | 33/100 |
| 11 | 63043 | 33/100 |
| 12 | 63044 | 33/100 |
Most distressed St. Louis, MO ZIPs (0-100, 2026)
Mortgage delinquency in St. Louis, MO
0.9% of St. Louis, MO mortgages were ninety-plus days late (St. Louis, MO, December 2025); St. Louis, MO thirty-to-eighty-nine days late: 2.0%; St. Louis, MO twelve-month change +0.1%; St. Louis, MO peak since 2008: 3.8% (January 2010); Missouri overall 0.9%. St. Louis, MO ninety-day series: Dec 24 0.8, Jan 25 1.0, Feb 25 0.9 (St. Louis, MO), Mar 25 0.8, Apr 25 0.6, May 25 0.5 (St. Louis, MO), Jun 25 0.5, Jul 25 0.4, Aug 25 0.3 (St. Louis, MO), Sep 25 0.4, Oct 25 0.7, Nov 25 0.7 (St. Louis, MO), Dec 25 0.9.
Opportunity index: St. Louis, MO
St. Louis, MO index 30.4, St. Louis, MO phase watchlist; St. Louis, MO primary driver bank institutional, St. Louis, MO second driver construction. St. Louis, MO components: property stress 18.0, foreclosure pressure 16.9, listing discounts 39.0, bank stress 57.8, insurance 0.0; St. Louis, MO pulse 32.3; St. Louis, MO capital opportunity 27.9; St. Louis, MO seven-day change +0.1%.
ZIP market phases inside St. Louis, MO
47 St. Louis, MO ZIPs carry a price-cycle phase; St. Louis, MO ZIPs by phase (St. Louis, MO), deepest drawdown first: peak, +3.9% YoY (St. Louis, MO): 63005, 63011, 63017, 63021, St. Louis, MO 63025, 63026, 63031, 63033, St. Louis, MO 63034, 63038, 63040, 63042, St. Louis, MO 63043, 63044, 63045, 63049.
Residential listings by St. Louis, MO ZIP
St. Louis, MO ZIPs with the most tracked St. Louis, MO residential listings: 63017 62 listings, 7 candidates, bank pressure 61; 63136 59 listings, 26 candidates, bank pressure 61; 63031 40 listings, 14 candidates, bank pressure 61; 63033 34 listings, 20 candidates, bank pressure 61 (St. Louis, MO); 63137 34 listings, 13 candidates, bank pressure 61; 63121 29 listings, 17 candidates, bank pressure 61; 63138 21 listings, 9 candidates, bank pressure 61; 63135 20 listings, 9 candidates, bank pressure 61. St. Louis, MO totals: 508 listings; St. Louis, MO candidates 212; active ZIPs 35.
Lenders with branches in St. Louis, MO
St. Louis, MO lenders by branch count: Commerce Bank (St. Louis, MO): stress 62, 22 branches low in St. Louis, MO; First Bank (St. Louis, MO): stress 83, 17 branches low in St. Louis, MO; Great Southern Bank (St. Louis, MO): stress 62, 11 branches low in St. Louis, MO; Central Trust Bank (St. Louis, MO): stress 54, 10 branches low in St. Louis, MO; Royal Banks Of Missouri (St. Louis, MO): stress 61, 9 branches low in St. Louis, MO; Midwest Bankcentre (St. Louis, MO): stress 55, 9 branches low in St. Louis, MO; Lindell Bank&Trust Co (St. Louis, MO): stress 11, 8 branches low in St. Louis, MO; Enterprise Bank&Trust (St. Louis, MO): stress 62, 7 branches low in St. Louis, MO.
Vacancy and permits, St. Louis, MO
32,343 of 446,192 St. Louis, MO housing units are vacant; St. Louis, MO permits, twelve months: 417 multifamily units in St. Louis, MO, 577 one-to-four unit units.
Work St. Louis, MO at the parcel level
Every St. Louis, MO parcel carries owner and address; every St. Louis, MO parcel carries APN; St. Louis, MO distress scores sit on the St. Louis, MO live board.
St. Louis, MO figures refresh with each source.
St. Louis, MO questions
Most distressed ZIP code in St. Louis County, MO?
ZIP 63005 leads St. Louis, MO at 33/100; next in St. Louis, MO: 63011 at 33/100; the St. Louis, MO average is 33/100.
Where does St. Louis County, MO rank for investment opportunity?
St. Louis, MO is #1,214 among all ranked counties, #41 in Missouri; the St. Louis, MO driver is bank institutional; St. Louis, MO moved up 589 places.
How many mortgages are delinquent in St. Louis County, MO?
0.9% of St. Louis, MO mortgages were ninety-plus days late in December 2025; the St. Louis, MO peak since 2008 was 3.8%.
Which banks lend in St. Louis County, MO?
8 watched lenders hold St. Louis, MO branches; the largest St. Louis, MO footprints are Commerce Bank (22), First Bank (17), Great Southern Bank (11).
More on St. Louis, MO
St. Louis County, MO distress report: public-record figures for St. Louis, MO; not legal advice for St. Louis, MO; not tax or investment advice; verify every St. Louis, MO record before acting.