Calloway County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Calloway County, Kentucky? DLRadar grades every Calloway County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Calloway County breakdown.
- Calloway County's most distressed ZIP is 42025 at 25/100.
- 10 ZIP codes tracked in Calloway County, averaging 24/100 distress.
- Calloway County reads peak — home values up 4.4% year over year.
- Vacancy runs 18.1% across Calloway County's tracked ZIPs, with a 17.6% poverty rate.
- The typical Calloway County home is worth about $158,410 against a ~$53,976 median income.
- Lending headwind in Calloway County sits at 71/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42025 | 25/100 |
| 2 | 42040 | 25/100 |
| 3 | 42048 | 25/100 |
| 4 | 42066 | 25/100 |
| 5 | 42020 | 24/100 |
| 6 | 42036 | 24/100 |
| 7 | 42049 | 24/100 |
| 8 | 42054 | 24/100 |
| 9 | 42071 | 24/100 |
| 10 | 42076 | 24/100 |
Most distressed ZIP codes in Calloway County (composite distress 0-100, 2026)
What is driving Calloway County distress
The Calloway County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 24/100 ZIP average. No proprietary or modelled inputs enter the score.
Calloway County market phase and pricing
Calloway County reads peak — home prices rose 4.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Calloway County
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Questions and answers
What is the hardest-hit ZIP in Calloway County?
ZIP 42025 leads Calloway County at 25/100, recomputed monthly from public records.
Where is Calloway County in the housing cycle?
Calloway County is classified peak with a 4.4% year-over-year increase, following the FHFA House Price Index.
What is this Calloway County analysis built from?
Calloway County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Calloway County ZIP codes?
A county average hides the spread. Across the Calloway County ZIPs DLRadar ranks, scores run from 25/100 in 42025 down to 24/100 in 42076, against a Calloway County average of 24/100. Because the gap runs to 1 points, Calloway County rewards ZIP-level precision.
What do Calloway County home values and vacancy say about distressed supply?
The typical Calloway County home carries about $158,410 of value against a median household income near $53,976. Vacancy across Calloway County's tracked ZIPs runs 18.1% and the poverty rate is 17.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Calloway County's foreclosure and tax-lien filings and its 71/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.