Carter County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Carter County, Kentucky? DLRadar grades every Carter County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Carter County breakdown.
- Carter County's most distressed ZIP is 41102 at 34/100.
- 11 ZIP codes tracked in Carter County, averaging 27/100 distress.
- Carter County reads expansion — home values up 7.3% year over year.
- Vacancy runs 12% across Carter County's tracked ZIPs, with a 16.1% poverty rate.
- The typical Carter County home is worth about $134,386 against a ~$56,045 median income.
- Lending headwind in Carter County sits at 32/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 41102 | 34/100 |
| 2 | 41168 | 34/100 |
| 3 | 41132 | 27/100 |
| 4 | 41142 | 27/100 |
| 5 | 41143 | 27/100 |
| 6 | 41146 | 27/100 |
| 7 | 41181 | 27/100 |
| 8 | 41164 | 25/100 |
| 9 | 40351 | 24/100 |
| 10 | 41141 | 24/100 |
| 11 | 41180 | 21/100 |
Most distressed ZIP codes in Carter County (composite distress 0-100, 2026)
What is driving Carter County distress
DLRadar builds Carter County's distress picture only from records anyone can pull; its ZIPs average 27/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Carter County market phase and pricing
The cycle in Carter County is expansion, with values up 7.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Carter County
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Common questions
What is the hardest-hit ZIP in Carter County?
ZIP 41102 leads Carter County at 34/100, recomputed monthly from public records.
What stage of the price cycle is Carter County at?
Carter County reads expansion, with home prices up 7.3% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Carter County figures be verified?
Every Carter County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 11 Carter County ZIP codes that it runs on every other U.S. county, so Carter County's numbers are directly comparable to any other market.
How much do distress scores vary between Carter County ZIP codes?
A county average hides the spread. Across the Carter County ZIPs DLRadar ranks, scores run from 34/100 in 41102 down to 21/100 in 41180, against a Carter County average of 27/100. That 13-point gap is why acquisition targeting in Carter County works at ZIP level rather than county level.
What do Carter County home values and vacancy say about distressed supply?
The typical Carter County home carries about $134,386 of value against a median household income near $56,045. Vacancy across Carter County's tracked ZIPs runs 12% and the poverty rate is 16.1%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Carter County's foreclosure and lien data and its 32/100 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.