ZIP 63640 Property Distress & Foreclosure Data

DLRadar grades ZIP 63640 (St. Francois County, Missouri) at a low 28/100 for overall property distress. Property-level stress concentrates in construction/permit lag (90/100), structural risk (66/100), institutional ownership (30/100). On the quiet end sit institutional ownership (30/100) and mortgage stress (13/100). On the structural side it scores 66/100, with 4/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (94/100), climate & FEMA risk (72/100)).

The peak-phase market in 63640 posted values that rose 4.1% over the year, and 17% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 15.8%. The demographic-stress sub-score lands at 33/100. At $55,926, median income runs below typical U.S. levels. Around 38% of renters are cost-burdened. Around 18% of adults hold a bachelor's degree or higher. The ZIP holds roughly 11,373 housing units. Population is roughly 28,800 with a median age of 40. The typical home is worth about $216,700 (3.5× income, relatively affordable). 65% of housing is owner-occupied. The vacancy rate is 9.7%.

On balance 63640 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.