Carroll County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carroll County, KY distress report, 2026: 8 ZIPs scored in Carroll, KY, Carroll, KY average 18/100; the top Carroll, KY ZIP is 40011 at 20/100; Carroll, KY market phase expansion, Carroll, KY prices +5.3% year over year.
- Carroll, KY ranks #1,223 nationally (opportunity index); Carroll, KY #76 in Kentucky; Carroll, KY index 30.4.
- Carroll, KY: no CFPB county sample; Carroll, KY non-metro area reading 1.1%.
- Carroll, KY ZIP phases: 4 expansion, 2 peak, 2 neutral.
- Carroll, KY residential listings tracked: 3 across 3 ZIPs; Carroll, KY candidate listings 2.
- Carroll, KY HUD assisted properties: 1 with 80 units.
- Carroll, KY lenders on watch: 4; largest Carroll, KY footprint First Nb Of Kentucky (2 branches).
- Carroll, KY most distressed ZIP: 40011 at 20/100.
Carroll, KY figures: DLRadar distress index; Carroll, KY inputs: CFPB, FHFA, HUD, FDIC; Carroll, KY rebuilt as sources refresh.
| Rank | Carroll, KY ZIP | Score |
|---|---|---|
| 1 | 40011 | 20/100 |
| 2 | 40075 | 20/100 |
| 3 | 41098 | 19/100 |
| 4 | 41008 | 17/100 |
| 5 | 41045 | 17/100 |
| 6 | 41083 | 17/100 |
| 7 | 40045 | 16/100 |
| 8 | 40006 | 15/100 |
Most distressed Carroll, KY ZIPs (0-100, 2026)
Mortgage delinquency around Carroll, KY
No CFPB county sample covers Carroll, KY; the non-metro area reading for Carroll, KY: 1.1% ninety-plus; Carroll, KY area thirty-to-eighty-nine 3.0% (December 2025, Carroll, KY); Kentucky overall 1.0%.
Opportunity index: Carroll, KY
Carroll, KY index 30.4, Carroll, KY phase watchlist; Carroll, KY primary driver vacancy, Carroll, KY second driver bank institutional. Carroll, KY components: property stress 24.1, foreclosure pressure 23.6, listing discounts 33.7, bank stress 57.2, insurance 0.0; Carroll, KY pulse 32.7; Carroll, KY capital opportunity 26.9; Carroll, KY seven-day change +0.9%.
ZIP market phases inside Carroll, KY
8 Carroll, KY ZIPs carry a price-cycle phase; Carroll, KY ZIPs by phase (Carroll, KY), deepest drawdown first: expansion, +5.3% YoY (Carroll, KY): 40006, 40045, 41008, 41098; peak, +4.2% YoY (Carroll, KY): 40011; peak, +4.1% YoY (Carroll, KY): 40075; neutral, +4.7% YoY (Carroll, KY): 41045; neutral, +4.8% YoY (Carroll, KY): 41083.
Residential listings by Carroll, KY ZIP
Carroll, KY ZIPs with the most tracked Carroll, KY residential listings: 41008 3 listings, 2 candidates, bank pressure 68; 41045 0 listings, 0 candidates, bank pressure 62; 41083 0 listings, 0 candidates, bank pressure 61. Carroll, KY totals: 3 listings; Carroll, KY candidates 2; active ZIPs 1.
HUD assisted housing in Carroll, KY
1 assisted properties with 80 units sit in Carroll, KY; largest Carroll, KY properties: Carrollton Village (Carrollton) 80 units, 80 assisted.
Lenders with branches in Carroll, KY
Carroll, KY lenders by branch count: First Nb Of Kentucky (Carroll, KY): stress 59, 2 branches low in Carroll, KY; Farmers Bank Of Milton (Carroll, KY): stress 78, 1 branch low in Carroll, KY; United Citizens B&T Co (Carroll, KY): stress 71, 1 branch low in Carroll, KY; Carrollton Federal Bank (Carroll, KY): stress 61, 1 branch low in Carroll, KY.
Vacancy and permits, Carroll, KY
515 of 4,693 Carroll, KY housing units are vacant; Carroll, KY permits, twelve months: 16 multifamily units in Carroll, KY, 0 one-to-four unit units.
Work Carroll, KY at the parcel level
Every Carroll, KY parcel carries owner and address; every Carroll, KY parcel carries APN; Carroll, KY distress scores sit on the Carroll, KY live board.
Carroll, KY figures refresh with each source.
Carroll, KY questions
Most distressed ZIP code in Carroll County, KY?
ZIP 40011 leads Carroll, KY at 20/100; next in Carroll, KY: 40075 at 20/100; the Carroll, KY average is 18/100.
Where does Carroll County, KY rank for investment opportunity?
Carroll, KY is #1,223 among all ranked counties, #76 in Kentucky; the Carroll, KY driver is vacancy; Carroll, KY moved up 556 places.
How many mortgages are delinquent in Carroll County, KY?
Carroll, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Carroll, KY.
Which banks lend in Carroll County, KY?
4 watched lenders hold Carroll, KY branches; the largest Carroll, KY footprints are First Nb Of Kentucky (2), Farmers Bank Of Milton (1), United Citizens B&T Co (1).
More on Carroll, KY
Carroll County, KY distress report: public-record figures for Carroll, KY; not legal advice for Carroll, KY; not tax or investment advice; verify every Carroll, KY record before acting.