ZIP 65231 Property Distress & Foreclosure Data

ZIP code 65231 in Callaway County, Missouri carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (36/100), institutional ownership (27/100), construction/permit lag (23/100). construction/permit lag (23/100) and mortgage stress (12/100) stay muted. On the structural side it scores 36/100, with 4/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (64/100).

Prices here sit in a peak phase: values rose 5.0% over the trailing year, 2.2% off the recent peak, and 1% higher over three years (phase confidence 44/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,328 housing units. The poverty rate is 20.3% — high, a tax-stress and distress correlate. Around 20% of renters are cost-burdened. Around 23% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 26/100. 2,771 residents call 65231 home, typically aged 40. The typical home is worth about $146,600 (2.4× income, relatively affordable). The vacancy rate is 12.4% — elevated. At $61,567, median income runs below typical U.S. levels. 82% of housing is owner-occupied.

Taken together, 65231 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.