Breckinridge County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Breckinridge County, KY distress report, 2026: 18 ZIPs scored in Breckinridge, KY, Breckinridge, KY average 21/100; the top Breckinridge, KY ZIP is 42343 at 27/100; Breckinridge, KY market phase expansion, Breckinridge, KY prices +5.3% year over year.
- Breckinridge, KY ranks #464 nationally (opportunity index); Breckinridge, KY #35 in Kentucky; Breckinridge, KY index 33.6.
- Breckinridge, KY: no CFPB county sample; Breckinridge, KY non-metro area reading 1.1%.
- Breckinridge, KY ZIP phases: 14 expansion, 3 peak, 1 neutral.
- Breckinridge, KY residential listings tracked: 3 across 13 ZIPs; Breckinridge, KY candidate listings 1.
- Breckinridge, KY HUD assisted properties: 3 with 96 units.
- Breckinridge, KY lenders on watch: 2; largest Breckinridge, KY footprint First State Bank (3 branches).
- Breckinridge, KY most distressed ZIP: 42343 at 27/100.
Breckinridge, KY figures: DLRadar distress index; Breckinridge, KY inputs: CFPB, FHFA, HUD, FDIC; Breckinridge, KY rebuilt as sources refresh.
| Rank | Breckinridge, KY ZIP | Score |
|---|---|---|
| 1 | 42343 | 27/100 |
| 2 | 40175 | 26/100 |
| 3 | 40142 | 24/100 |
| 4 | 40157 | 24/100 |
| 5 | 40176 | 22/100 |
| 6 | 40140 | 21/100 |
| 7 | 40111 | 20/100 |
| 8 | 40115 | 20/100 |
| 9 | 40143 | 20/100 |
| 10 | 40144 | 20/100 |
| 11 | 40145 | 20/100 |
| 12 | 40146 | 20/100 |
Most distressed Breckinridge, KY ZIPs (0-100, 2026)
Mortgage delinquency around Breckinridge, KY
No CFPB county sample covers Breckinridge, KY; the non-metro area reading for Breckinridge, KY: 1.1% ninety-plus; Breckinridge, KY area thirty-to-eighty-nine 3.0% (December 2025, Breckinridge, KY); Kentucky overall 1.0%.
Opportunity index: Breckinridge, KY
Breckinridge, KY index 33.6, Breckinridge, KY phase overheated; Breckinridge, KY primary driver vacancy, Breckinridge, KY second driver bank institutional. Breckinridge, KY components: property stress 35.2, foreclosure pressure 37.9, listing discounts 19.3, bank stress 50.0, insurance 0.0; Breckinridge, KY pulse 39.6; Breckinridge, KY capital opportunity 24.8; Breckinridge, KY seven-day change -0.4%.
ZIP market phases inside Breckinridge, KY
18 Breckinridge, KY ZIPs carry a price-cycle phase; Breckinridge, KY ZIPs by phase (Breckinridge, KY), deepest drawdown first: peak, +2.4% YoY, 0.7% off peak (Breckinridge, KY): 40175; expansion, +5.1% YoY, 0.1% off peak (Breckinridge, KY): 40140; expansion, +5.3% YoY, 0.0% off peak (Breckinridge, KY): 42754; expansion, +5.3% YoY (Breckinridge, KY): 40111, 40115, 40119, 40143, Breckinridge, KY 40144, 40145, 40146, 40152, Breckinridge, KY 40170, 40171; peak, +3.9% YoY (Breckinridge, KY): 40142, 40157; neutral, +4.8% YoY (Breckinridge, KY): 40176.
Residential listings by Breckinridge, KY ZIP
Breckinridge, KY ZIPs with the most tracked Breckinridge, KY residential listings: 40143 2 listings, 1 candidates, bank pressure 57; 40119 1 listings, 0 candidates, bank pressure 62; 40111 0 listings, 0 candidates, bank pressure 57; 40115 0 listings, 0 candidates, bank pressure 57 (Breckinridge, KY); 40140 0 listings, 0 candidates, bank pressure 57; 40144 0 listings, 0 candidates, bank pressure 57; 40145 0 listings, 0 candidates, bank pressure 57; 40146 0 listings, 0 candidates, bank pressure 58. Breckinridge, KY totals: 3 listings; Breckinridge, KY candidates 1; active ZIPs 1.
HUD assisted housing in Breckinridge, KY
3 assisted properties with 96 units sit in Breckinridge, KY; largest Breckinridge, KY properties: Creekview Apts - Cloverport (Cloverport) 48 units, 48 assisted; Weatherholt Hills Apts (Cloverport) 40 units, 40 assisted; Hallmark Group Home (Hardinsburg) 8 units, 8 assisted in Breckinridge, KY.
Lenders with branches in Breckinridge, KY
Breckinridge, KY lenders by branch count: First State Bank (Breckinridge, KY): stress 55, 3 branches low in Breckinridge, KY; Cecilian Bank (Breckinridge, KY): stress 56, 2 branches low in Breckinridge, KY.
Vacancy and permits, Breckinridge, KY
2,730 of 10,799 Breckinridge, KY housing units are vacant; Breckinridge, KY permits, twelve months: 0 multifamily units in Breckinridge, KY, 9 one-to-four unit units.
Work Breckinridge, KY at the parcel level
Every Breckinridge, KY parcel carries owner and address; every Breckinridge, KY parcel carries APN; Breckinridge, KY distress scores sit on the Breckinridge, KY live board.
Breckinridge, KY figures refresh with each source.
Breckinridge, KY questions
Most distressed ZIP code in Breckinridge County, KY?
ZIP 42343 leads Breckinridge, KY at 27/100; next in Breckinridge, KY: 40175 at 26/100; the Breckinridge, KY average is 21/100.
Where does Breckinridge County, KY rank for investment opportunity?
Breckinridge, KY is #464 among all ranked counties, #35 in Kentucky; the Breckinridge, KY driver is vacancy; Breckinridge, KY moved down 153 places.
How many mortgages are delinquent in Breckinridge County, KY?
Breckinridge, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Breckinridge, KY.
Which banks lend in Breckinridge County, KY?
2 watched lenders hold Breckinridge, KY branches; the largest Breckinridge, KY footprints are First State Bank (3), Cecilian Bank (2).
More on Breckinridge, KY
Breckinridge County, KY distress report: public-record figures for Breckinridge, KY; not legal advice for Breckinridge, KY; not tax or investment advice; verify every Breckinridge, KY record before acting.