ZIP 65109 Property Distress & Foreclosure Data

Cole County, Missouri's ZIP 65109 registers 23/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (80/100), climate & FEMA risk (77/100). The latent-versus-live split is 53/100 structural and 2/100 already moving. The most distinctive pressure shows up in construction/permit lag (57/100), structural risk (53/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 5.0% year on year, 2.3% off the recent peak, and 30% higher over three years (phase confidence 44/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 6.0%. Home values center near $221,600, an affordability ratio of 2.8× — accessible. 8.7% of residents fall below the poverty threshold. Educational attainment sits at 45% bachelor's-or-above. Median household income is $72,430, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 24/100. Around 24% of renters are cost-burdened. About 40,390 people live here, median age 41. Owners hold 65% of homes, renters 35%. The ZIP holds roughly 18,329 housing units.

Net-net, 65109 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.