Caldwell County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Caldwell County, KY distress report, 2026: 6 ZIPs scored in Caldwell, KY, Caldwell, KY average 23/100; the top Caldwell, KY ZIP is 42445 at 26/100; Caldwell, KY market phase expansion, Caldwell, KY prices +5.3% year over year.
- Caldwell, KY ranks #20 nationally (opportunity index); Caldwell, KY #3 in Kentucky; Caldwell, KY index 40.7.
- Caldwell, KY: no CFPB county sample; Caldwell, KY non-metro area reading 1.1%.
- Caldwell, KY ZIP phases: 4 expansion, 2 peak.
- Caldwell, KY residential listings tracked: 2 across 2 ZIPs; Caldwell, KY candidate listings 0.
- Caldwell, KY lenders on watch: 4; largest Caldwell, KY footprint Farmers Bank&Trust Co (2 branches).
- Caldwell, KY most distressed ZIP: 42445 at 26/100.
Caldwell, KY figures: DLRadar distress index; Caldwell, KY inputs: CFPB, FHFA, HUD, FDIC; Caldwell, KY rebuilt as sources refresh.
| Rank | Caldwell, KY ZIP | Score |
|---|---|---|
| 1 | 42445 | 26/100 |
| 2 | 42211 | 25/100 |
| 3 | 42408 | 25/100 |
| 4 | 42411 | 24/100 |
| 5 | 42064 | 18/100 |
| 6 | 42038 | 17/100 |
Most distressed Caldwell, KY ZIPs (0-100, 2026)
Mortgage delinquency around Caldwell, KY
No CFPB county sample covers Caldwell, KY; the non-metro area reading for Caldwell, KY: 1.1% ninety-plus; Caldwell, KY area thirty-to-eighty-nine 3.0% (December 2025, Caldwell, KY); Kentucky overall 1.0%.
Opportunity index: Caldwell, KY
Caldwell, KY index 40.7, Caldwell, KY phase strong_buy; Caldwell, KY primary driver bank institutional, Caldwell, KY second driver vacancy. Caldwell, KY components: property stress 29.5, foreclosure pressure 29.7, listing discounts 57.6, bank stress 65.3, insurance 0.0; Caldwell, KY pulse 43.9; Caldwell, KY capital opportunity 35.9; Caldwell, KY seven-day change -0.3%; Caldwell, KY is newly ranked.
ZIP market phases inside Caldwell, KY
6 Caldwell, KY ZIPs carry a price-cycle phase; Caldwell, KY ZIPs by phase (Caldwell, KY), deepest drawdown first: peak, +1.9% YoY, 2.4% off peak (Caldwell, KY): 42211; peak, +4.3% YoY, 0.4% off peak (Caldwell, KY): 42408; expansion, +5.3% YoY, 0.0% off peak (Caldwell, KY): 42445; expansion, +5.3% YoY (Caldwell, KY): 42038, 42064, 42411.
Residential listings by Caldwell, KY ZIP
Caldwell, KY ZIPs with the most tracked Caldwell, KY residential listings: 42411 1 listings, 0 candidates, bank pressure 66; 42445 1 listings, 0 candidates, bank pressure 65. Caldwell, KY totals: 2 listings; Caldwell, KY candidates 0; active ZIPs 1.
Lenders with branches in Caldwell, KY
Caldwell, KY lenders by branch count: Farmers Bank&Trust Co (Caldwell, KY): stress 66, 2 branches low in Caldwell, KY; Fredonia Valley Bank (Caldwell, KY): stress 74, 1 branch low in Caldwell, KY; First Southern National Bank (Caldwell, KY): stress 68, 1 branch low in Caldwell, KY; Planters Bank Inc (Caldwell, KY): stress 59, 1 branch low in Caldwell, KY.
Vacancy and permits, Caldwell, KY
1,039 of 6,064 Caldwell, KY housing units are vacant.
Work Caldwell, KY at the parcel level
Every Caldwell, KY parcel carries owner and address; every Caldwell, KY parcel carries APN; Caldwell, KY distress scores sit on the Caldwell, KY live board.
Caldwell, KY figures refresh with each source.
Caldwell, KY questions
Most distressed ZIP code in Caldwell County, KY?
ZIP 42445 leads Caldwell, KY at 26/100; next in Caldwell, KY: 42211 at 25/100; the Caldwell, KY average is 23/100.
Where does Caldwell County, KY rank for investment opportunity?
Caldwell, KY is #20 among all ranked counties, #3 in Kentucky; the Caldwell, KY driver is bank institutional; Caldwell, KY moved up 43 places.
How many mortgages are delinquent in Caldwell County, KY?
Caldwell, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Caldwell, KY.
Which banks lend in Caldwell County, KY?
4 watched lenders hold Caldwell, KY branches; the largest Caldwell, KY footprints are Farmers Bank&Trust Co (2), Fredonia Valley Bank (1), First Southern National Bank (1).
More on Caldwell, KY
Caldwell County, KY distress report: public-record figures for Caldwell, KY; not legal advice for Caldwell, KY; not tax or investment advice; verify every Caldwell, KY record before acting.