ZIP 65040 Property Distress & Foreclosure Data

Composite property distress in 65040 (Cole County, Missouri) lands at 22/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (74/100), flood (NFIP) exposure (67/100). On the structural side it scores 50/100, with 2/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (57/100), structural risk (50/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The market reads peak — home values rose 4.8% year on year, 1.9% off the recent peak, and 28% higher over three years (phase confidence 43/100). Topping markets hide individual distress behind strong averages.

DLRadar's demographic-stress index for the area reads 19/100. The vacancy rate is 18.8% — elevated. Around 0% of renters are cost-burdened. Educational attainment sits at 31% bachelor's-or-above. Owners hold 92% of homes, renters 8%. About 1,468 people live here, median age 36. 6.7% of residents fall below the poverty threshold. Home values center near $225,800, an affordability ratio of 2.2× — accessible. Median household income is $87,434, above the U.S. median near $78,000. The ZIP holds roughly 532 housing units.

Net-net, 65040 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.