Carlisle County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carlisle County, Kentucky? DLRadar grades every Carlisle County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Carlisle County breakdown.
- Carlisle County's most distressed ZIP is 42039 at 16/100.
- 4 ZIP codes tracked in Carlisle County, averaging 14/100 distress.
- Carlisle County reads expansion — home values up 11.3% year over year.
- Vacancy runs 15.7% across Carlisle County's tracked ZIPs, with a 14.5% poverty rate.
- The typical Carlisle County home is worth about $118,700 against a ~$61,087 median income.
- Lending headwind in Carlisle County sits at 52/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42039 | 16/100 |
| 2 | 42035 | 14/100 |
| 3 | 42021 | 12/100 |
| 4 | 42023 | 12/100 |
Most distressed ZIP codes in Carlisle County (composite distress 0-100, 2026)
What is driving Carlisle County distress
Carlisle County's placement in the national index rests on public filings — a 14/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Carlisle County market phase and pricing
Carlisle County reads expansion — home prices rose 11.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
What is the most distressed ZIP code in Carlisle County, KY?
ZIP 42039 leads Carlisle County at 16/100, recomputed monthly from public records.
Which phase does Carlisle County sit in right now?
Carlisle County reads expansion, with home prices up 11.3% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Carlisle County data come from?
Carlisle County draws on FHFA (expansion 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 4 ZIPs are comparable to anywhere else.
How much do distress scores vary between Carlisle County ZIP codes?
A county average hides the spread. Across the Carlisle County ZIPs DLRadar ranks, scores run from 16/100 in 42039 down to 12/100 in 42023, against a Carlisle County average of 14/100. A spread of 4 points means Carlisle County has to be worked ZIP by ZIP.
What do Carlisle County home values and vacancy say about distressed supply?
The typical Carlisle County home carries about $118,700 of value against a median household income near $61,087. Vacancy across Carlisle County's tracked ZIPs runs 15.7% and the poverty rate is 14.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Carlisle County's foreclosure and tax-lien filings and its 52/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.