Bell County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bell County, Kentucky? DLRadar grades every Bell County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Bell County breakdown.
- Bell County's most distressed ZIP is 40913 at 28/100.
- 11 ZIP codes tracked in Bell County, averaging 27/100 distress.
- Bell County reads peak — home values up 4.4% year over year.
- Vacancy runs 20% across Bell County's tracked ZIPs, with a 26.7% poverty rate.
- The typical Bell County home is worth about $97,471 against a ~$34,107 median income.
- Lending headwind in Bell County sits at 0/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40913 | 28/100 |
| 2 | 40813 | 27/100 |
| 3 | 40845 | 27/100 |
| 4 | 40856 | 27/100 |
| 5 | 40902 | 27/100 |
| 6 | 40939 | 27/100 |
| 7 | 40958 | 27/100 |
| 8 | 40977 | 27/100 |
| 9 | 40988 | 27/100 |
| 10 | 40940 | 26/100 |
| 11 | 40965 | 26/100 |
Most distressed ZIP codes in Bell County (composite distress 0-100, 2026)
What is driving Bell County distress
The Bell County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 27/100 ZIP average. No proprietary or modelled inputs enter the score.
Bell County market phase and pricing
The cycle in Bell County is peak, with values up 4.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Bell County
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Common questions
Where is distress highest inside Bell County, KY?
ZIP 40913 leads Bell County at 28/100, recomputed monthly from public records.
What stage of the price cycle is Bell County at?
Bell County is classified peak with a 4.4% year-over-year increase, following the FHFA House Price Index.
Where does the Bell County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 11 Bell County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Bell County ZIP codes?
Averaging the county conceals how uneven it is. Across the Bell County ZIPs DLRadar ranks, scores run from 28/100 in 40913 down to 26/100 in 40965, against a Bell County average of 27/100. Those 2 points separate the ZIPs worth working in Bell County from the rest.
What do Bell County home values and vacancy say about distressed supply?
The typical Bell County home carries about $97,471 of value against a median household income near $34,107. Vacancy across Bell County's tracked ZIPs runs 20% and the poverty rate is 26.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Bell County's foreclosure and lien data and its 0/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.