Breckinridge County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Breckinridge County, Kentucky? DLRadar grades every Breckinridge County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Breckinridge County breakdown.
- Breckinridge County's most distressed ZIP is 40175 at 30/100.
- 18 ZIP codes tracked in Breckinridge County, averaging 24/100 distress.
- Breckinridge County reads expansion — home values up 5.3% year over year.
- Vacancy runs 25.1% across Breckinridge County's tracked ZIPs, with a 23.2% poverty rate.
- The typical Breckinridge County home is worth about $165,641 against a ~$59,741 median income.
- Lending headwind in Breckinridge County sits at 23/100 — 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 | 40175 | 30/100 |
| 2 | 42343 | 28/100 |
| 3 | 40140 | 26/100 |
| 4 | 42754 | 25/100 |
| 5 | 40119 | 24/100 |
| 6 | 40142 | 24/100 |
| 7 | 40157 | 24/100 |
| 8 | 40111 | 23/100 |
| 9 | 40115 | 23/100 |
| 10 | 40143 | 23/100 |
| 11 | 40144 | 23/100 |
| 12 | 40145 | 23/100 |
Most distressed ZIP codes in Breckinridge County (composite distress 0-100, 2026)
What is driving Breckinridge County distress
DLRadar builds Breckinridge County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Breckinridge County market phase and pricing
Breckinridge County currently sits in expansion after a 5.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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What people ask
Which ZIP code leads Breckinridge County on distress?
ZIP 40175 leads Breckinridge County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Breckinridge County at?
Breckinridge County is classified expansion with a 5.3% year-over-year increase, following the FHFA House Price Index.
What is this Breckinridge County analysis built from?
Each Breckinridge 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 18 local ZIPs and every other county in the country.
How much do distress scores vary between Breckinridge County ZIP codes?
A county average hides the spread. Across the Breckinridge County ZIPs DLRadar ranks, scores run from 30/100 in 40175 down to 23/100 in 40145, against a Breckinridge County average of 24/100. That 7-point gap is why acquisition targeting in Breckinridge County works at ZIP level rather than county level.
What do Breckinridge County home values and vacancy say about distressed supply?
The typical Breckinridge County home carries about $165,641 of value against a median household income near $59,741. Vacancy across Breckinridge County's tracked ZIPs runs 25.1% and the poverty rate is 23.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Breckinridge County's foreclosure and tax-lien filings and its 23/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.