Caldwell County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Caldwell County, Kentucky? DLRadar grades every Caldwell County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Caldwell County breakdown.
- Caldwell County's most distressed ZIP is 42445 at 27/100.
- 6 ZIP codes tracked in Caldwell County, averaging 22/100 distress.
- Caldwell County reads expansion — home values up 5.3% year over year.
- Vacancy runs 19.5% across Caldwell County's tracked ZIPs, with a 15.9% poverty rate.
- The typical Caldwell County home is worth about $140,300 against a ~$54,604 median income.
- Lending headwind in Caldwell County sits at 47/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42445 | 27/100 |
| 2 | 42211 | 25/100 |
| 3 | 42408 | 25/100 |
| 4 | 42411 | 22/100 |
| 5 | 42064 | 18/100 |
| 6 | 42038 | 17/100 |
Most distressed ZIP codes in Caldwell County (composite distress 0-100, 2026)
What is driving Caldwell County distress
Caldwell County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Caldwell County market phase and pricing
Caldwell County reads expansion — home prices rose 5.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Caldwell County
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Questions about this county
Which ZIP code leads Caldwell County on distress?
ZIP 42445 leads Caldwell County at 27/100, recomputed monthly from public records.
What stage of the price cycle is Caldwell County at?
Caldwell County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Caldwell County data come from?
Every Caldwell 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 6 Caldwell County ZIP codes that it runs on every other U.S. county, so Caldwell County's numbers are directly comparable to any other market.
How much do distress scores vary between Caldwell County ZIP codes?
Averaging the county conceals how uneven it is. Across the Caldwell County ZIPs DLRadar ranks, scores run from 27/100 in 42445 down to 17/100 in 42038, against a Caldwell County average of 22/100. The 10-point range is the argument for ZIP-level search across Caldwell County.
What do Caldwell County home values and vacancy say about distressed supply?
The typical Caldwell County home carries about $140,300 of value against a median household income near $54,604. Vacancy across Caldwell County's tracked ZIPs runs 19.5% and the poverty rate is 15.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Caldwell County's filings and its 47/100 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.