Bath County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bath County, KY distress report, 2026: 8 ZIPs scored in Bath, KY, Bath, KY average 23/100; the top Bath, KY ZIP is 40334 at 26/100; Bath, KY market phase peak, Bath, KY prices +4.4% year over year.
- Bath, KY ranks #36 nationally (opportunity index); Bath, KY #5 in Kentucky; Bath, KY index 38.9.
- Bath, KY: no CFPB county sample; Bath, KY non-metro area reading 1.1%.
- Bath, KY ZIP phases: 5 peak, 2 neutral, 1 expansion.
- Bath, KY residential listings tracked: 5 across 5 ZIPs; Bath, KY candidate listings 4.
- Bath, KY HUD assisted properties: 2 with 123 units.
- Bath, KY lenders on watch: 3; largest Bath, KY footprint Owingsville Banking Co (3 branches).
- Bath, KY most distressed ZIP: 40334 at 26/100.
Bath, KY figures: DLRadar distress index; Bath, KY inputs: CFPB, FHFA, HUD, FDIC; Bath, KY rebuilt as sources refresh.
| Rank | Bath, KY ZIP | Score |
|---|---|---|
| 1 | 40334 | 26/100 |
| 2 | 40358 | 26/100 |
| 3 | 40360 | 26/100 |
| 4 | 40371 | 26/100 |
| 5 | 40374 | 25/100 |
| 6 | 40311 | 19/100 |
| 7 | 40353 | 19/100 |
| 8 | 40346 | 17/100 |
Most distressed Bath, KY ZIPs (0-100, 2026)
Mortgage delinquency around Bath, KY
No CFPB county sample covers Bath, KY; the non-metro area reading for Bath, KY: 1.1% ninety-plus; Bath, KY area thirty-to-eighty-nine 3.0% (December 2025, Bath, KY); Kentucky overall 1.0%.
Opportunity index: Bath, KY
Bath, KY index 38.9, Bath, KY phase strong_buy; Bath, KY primary driver construction, Bath, KY second driver vacancy. Bath, KY components: property stress 33.6, foreclosure pressure 36.4, listing discounts 39.4, bank stress 57.3, insurance 0.0; Bath, KY pulse 44.9; Bath, KY capital opportunity 31.0; Bath, KY seven-day change +0.9%.
ZIP market phases inside Bath, KY
8 Bath, KY ZIPs carry a price-cycle phase; Bath, KY ZIPs by phase (Bath, KY), deepest drawdown first: expansion, +5.4% YoY (Bath, KY): 40311; peak, +4.4% YoY (Bath, KY): 40334, 40346, 40358, 40360, Bath, KY 40371; neutral, +4.5% YoY (Bath, KY): 40353; neutral, +4.6% YoY (Bath, KY): 40374.
Residential listings by Bath, KY ZIP
Bath, KY ZIPs with the most tracked Bath, KY residential listings: 40371 4 listings, 4 candidates, bank pressure 71; 40360 1 listings, 0 candidates, bank pressure 64; 40334 0 listings, 0 candidates, bank pressure 71; 40358 0 listings, 0 candidates, bank pressure 71 (Bath, KY); 40374 0 listings, 0 candidates, bank pressure 64. Bath, KY totals: 5 listings; Bath, KY candidates 4; active ZIPs 1.
HUD assisted housing in Bath, KY
2 assisted properties with 123 units sit in Bath, KY; largest Bath, KY properties: Mountain View Estates (Owingsville) 75 units, 75 assisted; Beaver Creek Apartments (Sharpsburg) 48 units, 48 assisted.
Lenders with branches in Bath, KY
Bath, KY lenders by branch count: Owingsville Banking Co (Bath, KY): stress 82, 3 branches low in Bath, KY; Citizens Bank (Bath, KY): stress 54, 2 branches low in Bath, KY; Peoples Bank Of Kentucky Inc (Bath, KY): stress 77, 1 branch low in Bath, KY.
Vacancy and permits, Bath, KY
801 of 5,499 Bath, KY housing units are vacant.
Work Bath, KY at the parcel level
Every Bath, KY parcel carries owner and address; every Bath, KY parcel carries APN; Bath, KY distress scores sit on the Bath, KY live board.
Bath, KY figures refresh with each source.
Bath, KY questions
Most distressed ZIP code in Bath County, KY?
ZIP 40334 leads Bath, KY at 26/100; next in Bath, KY: 40358 at 26/100; the Bath, KY average is 23/100.
Where does Bath County, KY rank for investment opportunity?
Bath, KY is #36 among all ranked counties, #5 in Kentucky; the Bath, KY driver is construction; Bath, KY moved up 13 places.
How many mortgages are delinquent in Bath County, KY?
Bath, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Bath, KY.
Which banks lend in Bath County, KY?
3 watched lenders hold Bath, KY branches; the largest Bath, KY footprints are Owingsville Banking Co (3), Citizens Bank (2), Peoples Bank Of Kentucky Inc (1).
More on Bath, KY
Bath County, KY distress report: public-record figures for Bath, KY; not legal advice for Bath, KY; not tax or investment advice; verify every Bath, KY record before acting.