Boone County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Boone County, KY distress report, 2026: 9 ZIPs scored in Boone, KY, Boone, KY average 25/100; the top Boone, KY ZIP is 41018 at 29/100; Boone, KY market phase peak, Boone, KY prices +3.5% year over year.
- Boone, KY ranks #2,413 nationally (opportunity index); Boone, KY #110 in Kentucky; Boone, KY index 26.2.
- Boone, KY ninety-day mortgage delinquency 1.2% in December 2025; Boone, KY twelve-month change +0.5%.
- Boone, KY ZIP phases: 9 peak.
- Boone, KY residential listings tracked: 91 across 7 ZIPs; Boone, KY candidate listings 11.
- Boone, KY HUD assisted properties: 5 with 294 units.
- Boone, KY lenders on watch: 8; largest Boone, KY footprint Heritage Bank Inc (5 branches).
- Boone, KY most distressed ZIP: 41018 at 29/100.
Boone, KY figures: DLRadar distress index; Boone, KY inputs: CFPB, FHFA, HUD, FDIC; Boone, KY rebuilt as sources refresh.
| Rank | Boone, KY ZIP | Score |
|---|---|---|
| 1 | 41018 | 29/100 |
| 2 | 41094 | 27/100 |
| 3 | 41005 | 26/100 |
| 4 | 41042 | 26/100 |
| 5 | 41048 | 26/100 |
| 6 | 41080 | 26/100 |
| 7 | 41091 | 26/100 |
| 8 | 41092 | 23/100 |
| 9 | 41030 | 19/100 |
Most distressed Boone, KY ZIPs (0-100, 2026)
Mortgage delinquency in Boone, KY
1.2% of Boone, KY mortgages were ninety-plus days late (Boone, KY, December 2025); Boone, KY thirty-to-eighty-nine days late: 2.4%; Boone, KY twelve-month change +0.5%; Boone, KY peak since 2008: 3.0% (May 2012); Kentucky overall 1.0%. Boone, KY ninety-day series: Dec 24 0.7, Jan 25 0.8, Feb 25 0.5 (Boone, KY), Mar 25 0.6, Apr 25 0.6, May 25 0.5 (Boone, KY), Jun 25 0.2, Jul 25 0.4, Aug 25 0.5 (Boone, KY), Sep 25 0.6, Oct 25 0.9, Nov 25 1.0 (Boone, KY), Dec 25 1.2.
Opportunity index: Boone, KY
Boone, KY index 26.2, Boone, KY phase weak; Boone, KY primary driver bank institutional, Boone, KY second driver listings discount. Boone, KY components: property stress 14.4, foreclosure pressure 12.1, listing discounts 32.4, bank stress 55.9, insurance 0.0; Boone, KY pulse 27.2; Boone, KY capital opportunity 24.7; Boone, KY seven-day change +1.0%.
ZIP market phases inside Boone, KY
9 Boone, KY ZIPs carry a price-cycle phase; Boone, KY ZIPs by phase (Boone, KY), deepest drawdown first: peak, +3.5% YoY (Boone, KY): 41005, 41018, 41030, 41042, Boone, KY 41048, 41080, 41091, 41092, Boone, KY 41094.
Residential listings by Boone, KY ZIP
Boone, KY ZIPs with the most tracked Boone, KY residential listings: 41042 77 listings, 6 candidates, bank pressure 58; 41091 8 listings, 2 candidates, bank pressure 58; 41094 3 listings, 1 candidates, bank pressure 58; 41092 2 listings, 2 candidates, bank pressure 60 (Boone, KY); 41048 1 listings, 0 candidates, bank pressure 58; 41005 0 listings, 0 candidates, bank pressure 58; 41080 0 listings, 0 candidates, bank pressure 58. Boone, KY totals: 91 listings; Boone, KY candidates 11; active ZIPs 5.
HUD assisted housing in Boone, KY
5 assisted properties with 294 units sit in Boone, KY; largest Boone, KY properties: Country Place Apartments (Hebron) 150 units; Panorama Plus Apartments (Florence) 60 units; Aldersgate Apartments (Florence) 40 units, 39 assisted in Boone, KY; Wysteria Village Townhomes (Florence) 40 units; Voa/Orv Morningside Drive (Florence) 4 units, 3 assisted.
Lenders with branches in Boone, KY
Boone, KY lenders by branch count: Heritage Bank Inc (Boone, KY): stress 80, 5 branches low in Boone, KY; Central Bank&Trust Co (Boone, KY): stress 56, 2 branches moderate in Boone, KY; Forcht Bank National Assn (Boone, KY): stress 80, 1 branch low in Boone, KY; Peoples Exchange Bank (Boone, KY): stress 66, 1 branch low in Boone, KY; First Nb Of Kentucky (Boone, KY): stress 59, 1 branch low in Boone, KY; Stock Yards Bank&Trust Co (Boone, KY): stress 51, 1 branch low in Boone, KY; Community Trust Bank Inc (Boone, KY): stress 47, 1 branch low in Boone, KY; Republic Bank&Trust Co (Boone, KY): stress 29, 1 branch low in Boone, KY.
Vacancy and permits, Boone, KY
2,232 of 53,195 Boone, KY housing units are vacant; Boone, KY permits, twelve months: 427 multifamily units in Boone, KY, 455 one-to-four unit units.
Work Boone, KY at the parcel level
Every Boone, KY parcel carries owner and address; every Boone, KY parcel carries APN; Boone, KY distress scores sit on the Boone, KY live board.
Boone, KY figures refresh with each source.
Boone, KY questions
Most distressed ZIP code in Boone County, KY?
ZIP 41018 leads Boone, KY at 29/100; next in Boone, KY: 41094 at 27/100; the Boone, KY average is 25/100.
Where does Boone County, KY rank for investment opportunity?
Boone, KY is #2,413 among all ranked counties, #110 in Kentucky; the Boone, KY driver is bank institutional; Boone, KY moved up 398 places.
How many mortgages are delinquent in Boone County, KY?
1.2% of Boone, KY mortgages were ninety-plus days late in December 2025; the Boone, KY peak since 2008 was 3.0%.
Which banks lend in Boone County, KY?
8 watched lenders hold Boone, KY branches; the largest Boone, KY footprints are Heritage Bank Inc (5), Central Bank&Trust Co (2), Forcht Bank National Assn (1).
More on Boone, KY
Boone County, KY distress report: public-record figures for Boone, KY; not legal advice for Boone, KY; not tax or investment advice; verify every Boone, KY record before acting.