Carroll County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carroll County, Kentucky? DLRadar grades every Carroll County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Carroll County breakdown.
- Carroll County's most distressed ZIP is 40011 at 19/100.
- 8 ZIP codes tracked in Carroll County, averaging 17/100 distress.
- Carroll County reads expansion — home values up 5.3% year over year.
- Vacancy runs 17.2% across Carroll County's tracked ZIPs, with a 17.6% poverty rate.
- The typical Carroll County home is worth about $162,613 against a ~$61,079 median income.
- Lending headwind in Carroll County sits at 69/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40011 | 19/100 |
| 2 | 40075 | 19/100 |
| 3 | 41098 | 18/100 |
| 4 | 41008 | 16/100 |
| 5 | 41045 | 16/100 |
| 6 | 41083 | 16/100 |
| 7 | 40045 | 15/100 |
| 8 | 40006 | 14/100 |
Most distressed ZIP codes in Carroll County (composite distress 0-100, 2026)
What is driving Carroll County distress
The Carroll County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 17/100 ZIP average. No proprietary or modelled inputs enter the score.
Carroll County market phase and pricing
Phase for Carroll County: expansion (+5.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Carroll County
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Questions about this county
Which Carroll County ZIP scores worst for distress?
ZIP 40011 leads Carroll County at 19/100, recomputed monthly from public records.
What market phase is Carroll County in?
Carroll County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Carroll County scores?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 8 ZIP codes in Carroll County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Carroll County ZIP codes?
One county number flattens a wide range. Across the Carroll County ZIPs DLRadar ranks, scores run from 19/100 in 40011 down to 14/100 in 40006, against a Carroll County average of 17/100. The 5-point range is the argument for ZIP-level search across Carroll County.
What do Carroll County home values and vacancy say about distressed supply?
The typical Carroll County home carries about $162,613 of value against a median household income near $61,079. Vacancy across Carroll County's tracked ZIPs runs 17.2% and the poverty rate is 17.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Carroll County's foreclosure and lien data and its 69/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.