Boyd County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Boyd County, Kentucky? DLRadar grades every Boyd County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Boyd County breakdown.
- Boyd County's most distressed ZIP is 41101 at 35/100.
- 4 ZIP codes tracked in Boyd County, averaging 34/100 distress.
- Boyd County reads expansion — home values up 7.3% year over year.
- Vacancy runs 12.2% across Boyd County's tracked ZIPs, with a 16.4% poverty rate.
- The typical Boyd County home is worth about $144,350 against a ~$61,859 median income.
- Lending headwind in Boyd County sits at 6/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 41101 | 35/100 |
| 2 | 41102 | 34/100 |
| 3 | 41168 | 34/100 |
| 4 | 41129 | 33/100 |
Most distressed ZIP codes in Boyd County (composite distress 0-100, 2026)
What is driving Boyd County distress
Boyd County's placement in the national index rests on public filings — a 34/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Boyd County market phase and pricing
The cycle in Boyd County is expansion, with values up 7.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Boyd County
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Common questions
What is the most distressed ZIP code in Boyd County, KY?
ZIP 41101 leads Boyd County at 35/100, recomputed monthly from public records.
What market phase is Boyd County in?
The market phase for Boyd County is expansion, prices rising 7.3% on the year — derived from the FHFA House Price Index path.
What is this Boyd County analysis built from?
Each Boyd County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 4 local ZIPs and every other county in the country.
How much do distress scores vary between Boyd County ZIP codes?
Averaging the county conceals how uneven it is. Across the Boyd County ZIPs DLRadar ranks, scores run from 35/100 in 41101 down to 33/100 in 41129, against a Boyd County average of 34/100. Because the gap runs to 2 points, Boyd County rewards ZIP-level precision.
What do Boyd County home values and vacancy say about distressed supply?
The typical Boyd County home carries about $144,350 of value against a median household income near $61,859. Vacancy across Boyd County's tracked ZIPs runs 12.2% and the poverty rate is 16.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Boyd County's foreclosure and tax-lien filings and its 6/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.