Bell County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bell County, KY distress report, 2026: 11 ZIPs scored in Bell, KY, Bell, KY average 27/100; the top Bell, KY ZIP is 40813 at 27/100; Bell, KY market phase peak, Bell, KY prices +4.4% year over year.
- Bell, KY ranks #643 nationally (opportunity index); Bell, KY #52 in Kentucky; Bell, KY index 32.7.
- Bell, KY: no CFPB county sample; Bell, KY non-metro area reading 1.1%.
- Bell, KY ZIP phases: 10 peak, 1 neutral.
- Bell, KY residential listings tracked: 13 across 11 ZIPs; Bell, KY candidate listings 4.
- Bell, KY HUD assisted properties: 3 with 286 units.
- Bell, KY lenders on watch: 2; largest Bell, KY footprint Community Trust Bank Inc (3 branches).
- Bell, KY most distressed ZIP: 40813 at 27/100.
Bell, KY figures: DLRadar distress index; Bell, KY inputs: CFPB, FHFA, HUD, FDIC; Bell, KY rebuilt as sources refresh.
| Rank | Bell, KY ZIP | Score |
|---|---|---|
| 1 | 40813 | 27/100 |
| 2 | 40845 | 27/100 |
| 3 | 40856 | 27/100 |
| 4 | 40902 | 27/100 |
| 5 | 40913 | 27/100 |
| 6 | 40939 | 27/100 |
| 7 | 40958 | 27/100 |
| 8 | 40977 | 27/100 |
| 9 | 40988 | 27/100 |
| 10 | 40940 | 25/100 |
| 11 | 40965 | 25/100 |
Most distressed Bell, KY ZIPs (0-100, 2026)
Mortgage delinquency around Bell, KY
No CFPB county sample covers Bell, KY; the non-metro area reading for Bell, KY: 1.1% ninety-plus; Bell, KY area thirty-to-eighty-nine 3.0% (December 2025, Bell, KY); Kentucky overall 1.0%.
Opportunity index: Bell, KY
Bell, KY index 32.7, Bell, KY phase peak_opportunity; Bell, KY primary driver vacancy, Bell, KY second driver bank institutional. Bell, KY components: property stress 24.8, foreclosure pressure 25.0, listing discounts 35.3, bank stress 52.3, insurance 0.0; Bell, KY pulse 35.5; Bell, KY capital opportunity 28.6; Bell, KY seven-day change +0.8%.
ZIP market phases inside Bell, KY
11 Bell, KY ZIPs carry a price-cycle phase; Bell, KY ZIPs by phase (Bell, KY), deepest drawdown first: peak, +4.4% YoY (Bell, KY): 40813, 40845, 40856, 40902, Bell, KY 40913, 40939, 40940, 40958, Bell, KY 40977; peak, +4.2% YoY (Bell, KY): 40965; neutral, +4.5% YoY (Bell, KY): 40988.
Residential listings by Bell, KY ZIP
Bell, KY ZIPs with the most tracked Bell, KY residential listings: 40977 5 listings, 2 candidates, bank pressure 58; 40965 4 listings, 2 candidates, bank pressure 60; 40902 2 listings, 0 candidates, bank pressure 58; 40940 2 listings, 0 candidates, bank pressure 63 (Bell, KY); 40813 0 listings, 0 candidates, bank pressure 58; 40845 0 listings, 0 candidates, bank pressure 58; 40856 0 listings, 0 candidates, bank pressure 58; 40913 0 listings, 0 candidates, bank pressure 62. Bell, KY totals: 13 listings; Bell, KY candidates 4; active ZIPs 2.
HUD assisted housing in Bell, KY
3 assisted properties with 286 units sit in Bell, KY; largest Bell, KY properties: Ferndale Apts (Pineville) 120 units, 120 assisted; Bella Gardens Apartments (Middlesboro) 84 units, 84 assisted; Happy Hollow (Middlesborough) 82 units, 82 assisted in Bell, KY.
Lenders with branches in Bell, KY
Bell, KY lenders by branch count: Community Trust Bank Inc (Bell, KY): stress 47, 3 branches low in Bell, KY; Hearthside Bank Corp (Bell, KY): stress 77, 2 branches low in Bell, KY.
Vacancy and permits, Bell, KY
1,692 of 11,631 Bell, KY housing units are vacant; Bell, KY permits, twelve months: 0 multifamily units in Bell, KY, 45 one-to-four unit units.
Work Bell, KY at the parcel level
Every Bell, KY parcel carries owner and address; every Bell, KY parcel carries APN; Bell, KY distress scores sit on the Bell, KY live board.
Bell, KY figures refresh with each source.
Bell, KY questions
Most distressed ZIP code in Bell County, KY?
ZIP 40813 leads Bell, KY at 27/100; next in Bell, KY: 40845 at 27/100; the Bell, KY average is 27/100.
Where does Bell County, KY rank for investment opportunity?
Bell, KY is #643 among all ranked counties, #52 in Kentucky; the Bell, KY driver is vacancy; Bell, KY moved up 424 places.
How many mortgages are delinquent in Bell County, KY?
Bell, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Bell, KY.
Which banks lend in Bell County, KY?
2 watched lenders hold Bell, KY branches; the largest Bell, KY footprints are Community Trust Bank Inc (3), Hearthside Bank Corp (2).
More on Bell, KY
Bell County, KY distress report: public-record figures for Bell, KY; not legal advice for Bell, KY; not tax or investment advice; verify every Bell, KY record before acting.