Adair County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Adair County, KY distress report, 2026: 11 ZIPs scored in Adair, KY, Adair, KY average 20/100; the top Adair, KY ZIP is 42742 at 24/100; Adair, KY market phase expansion, Adair, KY prices +5.3% year over year.
- Adair, KY ranks #202 nationally (opportunity index); Adair, KY #17 in Kentucky; Adair, KY index 35.8.
- Adair, KY: no CFPB county sample; Adair, KY non-metro area reading 1.1%.
- Adair, KY ZIP phases: 8 expansion, 2 neutral, 1 peak.
- Adair, KY residential listings tracked: 5 across 5 ZIPs; Adair, KY candidate listings 0.
- Adair, KY HUD assisted properties: 1 with 56 units.
- Adair, KY lenders on watch: 4; largest Adair, KY footprint Bank Of Columbia (3 branches).
- Adair, KY most distressed ZIP: 42742 at 24/100.
Adair, KY figures: DLRadar distress index; Adair, KY inputs: CFPB, FHFA, HUD, FDIC; Adair, KY rebuilt as sources refresh.
| Rank | Adair, KY ZIP | Score |
|---|---|---|
| 1 | 42742 | 24/100 |
| 2 | 42753 | 24/100 |
| 3 | 42715 | 23/100 |
| 4 | 42728 | 23/100 |
| 5 | 42741 | 23/100 |
| 6 | 42743 | 23/100 |
| 7 | 42129 | 22/100 |
| 8 | 42539 | 17/100 |
| 9 | 42528 | 16/100 |
| 10 | 42733 | 14/100 |
| 11 | 42642 | 13/100 |
Most distressed Adair, KY ZIPs (0-100, 2026)
Mortgage delinquency around Adair, KY
No CFPB county sample covers Adair, KY; the non-metro area reading for Adair, KY: 1.1% ninety-plus; Adair, KY area thirty-to-eighty-nine 3.0% (December 2025, Adair, KY); Kentucky overall 1.0%.
Opportunity index: Adair, KY
Adair, KY index 35.8, Adair, KY phase peak_opportunity; Adair, KY primary driver vacancy, Adair, KY second driver construction. Adair, KY components: property stress 25.9, foreclosure pressure 26.7, listing discounts 35.6, bank stress 50.1, insurance 0.0; Adair, KY pulse 40.1; Adair, KY capital opportunity 29.4; Adair, KY seven-day change -0.7%.
ZIP market phases inside Adair, KY
11 Adair, KY ZIPs carry a price-cycle phase; Adair, KY ZIPs by phase (Adair, KY), deepest drawdown first: neutral, +4.5% YoY (Adair, KY): 42129; expansion, +5.3% YoY (Adair, KY): 42528, 42539, 42642, 42728, Adair, KY 42741, 42742, 42753; expansion, +5.1% YoY (Adair, KY): 42715; neutral, +4.7% YoY (Adair, KY): 42733; peak, +4.4% YoY (Adair, KY): 42743.
Residential listings by Adair, KY ZIP
Adair, KY ZIPs with the most tracked Adair, KY residential listings: 42728 5 listings, 0 candidates, bank pressure 54; 42715 0 listings, 0 candidates, bank pressure 50; 42741 0 listings, 0 candidates, bank pressure 56; 42742 0 listings, 0 candidates, bank pressure 51 (Adair, KY); 42753 0 listings, 0 candidates, bank pressure 51. Adair, KY totals: 5 listings; Adair, KY candidates 0; active ZIPs 1.
HUD assisted housing in Adair, KY
1 assisted properties with 56 units sit in Adair, KY; largest Adair, KY properties: Country Place-Columbia (Columbia) 56 units, 56 assisted.
Lenders with branches in Adair, KY
Adair, KY lenders by branch count: Bank Of Columbia (Adair, KY): stress 49, 3 branches low in Adair, KY; United Citizens Bank Of S Ky (Adair, KY): stress 46, 3 branches low in Adair, KY; First&Farmers Nb Inc (Adair, KY): stress 57, 2 branches low in Adair, KY; Community Trust Bank Inc (Adair, KY): stress 47, 1 branch low in Adair, KY.
Vacancy and permits, Adair, KY
1,512 of 8,648 Adair, KY housing units are vacant; Adair, KY permits, twelve months: 0 multifamily units in Adair, KY, 2 one-to-four unit units.
Work Adair, KY at the parcel level
Every Adair, KY parcel carries owner and address; every Adair, KY parcel carries APN; Adair, KY distress scores sit on the Adair, KY live board.
Adair, KY figures refresh with each source.
Adair, KY questions
Most distressed ZIP code in Adair County, KY?
ZIP 42742 leads Adair, KY at 24/100; next in Adair, KY: 42753 at 24/100; the Adair, KY average is 20/100.
Where does Adair County, KY rank for investment opportunity?
Adair, KY is #202 among all ranked counties, #17 in Kentucky; the Adair, KY driver is vacancy; Adair, KY moved up 61 places.
How many mortgages are delinquent in Adair County, KY?
Adair, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Adair, KY.
Which banks lend in Adair County, KY?
4 watched lenders hold Adair, KY branches; the largest Adair, KY footprints are Bank Of Columbia (3), United Citizens Bank Of S Ky (3), First&Farmers Nb Inc (2).
More on Adair, KY
Adair County, KY distress report: public-record figures for Adair, KY; not legal advice for Adair, KY; not tax or investment advice; verify every Adair, KY record before acting.