Bourbon County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bourbon County, Kentucky? DLRadar grades every Bourbon County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Bourbon County breakdown.
- Bourbon County's most distressed ZIP is 40511 at 31/100.
- 10 ZIP codes tracked in Bourbon County, averaging 24/100 distress.
- Bourbon County reads expansion — home values up 5.9% year over year.
- Vacancy runs 9.7% across Bourbon County's tracked ZIPs, with a 24.7% poverty rate.
- The typical Bourbon County home is worth about $187,940 against a ~$70,756 median income.
- Lending headwind in Bourbon County sits at 54/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40511 | 31/100 |
| 2 | 40516 | 31/100 |
| 3 | 40324 | 28/100 |
| 4 | 40374 | 23/100 |
| 5 | 40348 | 22/100 |
| 6 | 40357 | 22/100 |
| 7 | 40361 | 22/100 |
| 8 | 41031 | 22/100 |
| 9 | 40353 | 20/100 |
| 10 | 40311 | 16/100 |
Most distressed ZIP codes in Bourbon County (composite distress 0-100, 2026)
What is driving Bourbon County distress
Nothing here is estimated: Bourbon County is scored from filings alone, and its ZIPs average 24/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Bourbon County market phase and pricing
Bourbon County currently sits in expansion after a 5.9% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions about this county
What is the hardest-hit ZIP in Bourbon County?
ZIP 40511 leads Bourbon County at 31/100, recomputed monthly from public records.
What stage of the price cycle is Bourbon County at?
Bourbon County is classified expansion with a 5.9% year-over-year increase, following the FHFA House Price Index.
Where does the Bourbon County data come from?
Every Bourbon County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Bourbon County ZIP codes that it runs on every other U.S. county, so Bourbon County's numbers are directly comparable to any other market.
How much do distress scores vary between Bourbon County ZIP codes?
Averaging the county conceals how uneven it is. Across the Bourbon County ZIPs DLRadar ranks, scores run from 31/100 in 40511 down to 16/100 in 40311, against a Bourbon County average of 24/100. Those 15 points separate the ZIPs worth working in Bourbon County from the rest.
What do Bourbon County home values and vacancy say about distressed supply?
The typical Bourbon County home carries about $187,940 of value against a median household income near $70,756. Vacancy across Bourbon County's tracked ZIPs runs 9.7% and the poverty rate is 24.7%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Bourbon County's filings and its 54/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.