Carter County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carter County, KY distress report, 2026: 11 ZIPs scored in Carter, KY, Carter, KY average 24/100; the top Carter, KY ZIP is 41102 at 35/100; Carter, KY market phase expansion, Carter, KY prices +7.3% year over year.
- Carter, KY ranks #1,551 nationally (opportunity index); Carter, KY #83 in Kentucky; Carter, KY index 29.2.
- Carter, KY: no CFPB county sample; Carter, KY metro area reading 1.2%.
- Carter, KY ZIP phases: 11 expansion.
- Carter, KY residential listings tracked: 3 across 6 ZIPs; Carter, KY candidate listings 2.
- Carter, KY HUD assisted properties: 5 with 170 units.
- Carter, KY lenders on watch: 3; largest Carter, KY footprint Commercial Bank Of Grayson (3 branches).
- Carter, KY most distressed ZIP: 41102 at 35/100.
Carter, KY figures: DLRadar distress index; Carter, KY inputs: CFPB, FHFA, HUD, FDIC; Carter, KY rebuilt as sources refresh.
| Rank | Carter, KY ZIP | Score |
|---|---|---|
| 1 | 41102 | 35/100 |
| 2 | 41168 | 34/100 |
| 3 | 40351 | 27/100 |
| 4 | 41141 | 24/100 |
| 5 | 41143 | 24/100 |
| 6 | 41132 | 22/100 |
| 7 | 41142 | 22/100 |
| 8 | 41146 | 22/100 |
| 9 | 41181 | 22/100 |
| 10 | 41164 | 19/100 |
| 11 | 41180 | 16/100 |
Most distressed Carter, KY ZIPs (0-100, 2026)
Mortgage delinquency around Carter, KY
No CFPB county sample covers Carter, KY; the metro area reading for Carter, KY (Huntington-Ashland, WV-KY-OH): 1.2% ninety-plus; Carter, KY area thirty-to-eighty-nine 3.3% (December 2025, Carter, KY); Kentucky overall 1.0%.
Opportunity index: Carter, KY
Carter, KY index 29.2, Carter, KY phase early_signal; Carter, KY primary driver vacancy, Carter, KY second driver bank institutional. Carter, KY components: property stress 25.4, foreclosure pressure 24.4, listing discounts 25.4, bank stress 54.6, insurance 0.0; Carter, KY pulse 32.5; Carter, KY capital opportunity 24.3; Carter, KY seven-day change -0.1%.
ZIP market phases inside Carter, KY
11 Carter, KY ZIPs carry a price-cycle phase; Carter, KY ZIPs by phase (Carter, KY), deepest drawdown first: expansion, +5.3% YoY (Carter, KY): 40351; expansion, +7.3% YoY (Carter, KY): 41102, 41132, 41142, 41143, Carter, KY 41146, 41168, 41181; expansion, +6.1% YoY (Carter, KY): 41141; expansion, +6.8% YoY (Carter, KY): 41164; expansion, +6.9% YoY (Carter, KY): 41180.
Residential listings by Carter, KY ZIP
Carter, KY ZIPs with the most tracked Carter, KY residential listings: 41143 2 listings, 2 candidates, bank pressure 59; 41164 1 listings, 0 candidates, bank pressure 58; 41132 0 listings, 0 candidates, bank pressure 54; 41142 0 listings, 0 candidates, bank pressure 56 (Carter, KY); 41146 0 listings, 0 candidates, bank pressure 56; 41181 0 listings, 0 candidates, bank pressure 56. Carter, KY totals: 3 listings; Carter, KY candidates 2; active ZIPs 1.
HUD assisted housing in Carter, KY
5 assisted properties with 170 units sit in Carter, KY; largest Carter, KY properties: Friendship House - Grayson (Grayson) 52 units, 52 assisted; Hydreco Apartments (Olive Hill) 46 units, 46 assisted; Chapel House - Grayson (Grayson) 40 units, 40 assisted in Carter, KY; Town Branch Apartments (Grayson) 24 units; Dixie Park Homes (Grayson) 8 units.
Lenders with branches in Carter, KY
Carter, KY lenders by branch count: Commercial Bank Of Grayson (Carter, KY): stress 70, 3 branches low in Carter, KY; First Nb Of Grayson (Carter, KY): stress 47, 3 branches low in Carter, KY; Citizens Bank Of Ky Inc (Carter, KY): stress 58, 1 branch low in Carter, KY.
Vacancy and permits, Carter, KY
1,522 of 12,316 Carter, KY housing units are vacant; Carter, KY permits, twelve months: 0 multifamily units in Carter, KY, 2 one-to-four unit units.
Work Carter, KY at the parcel level
Every Carter, KY parcel carries owner and address; every Carter, KY parcel carries APN; Carter, KY distress scores sit on the Carter, KY live board.
Carter, KY figures refresh with each source.
Carter, KY questions
Most distressed ZIP code in Carter County, KY?
ZIP 41102 leads Carter, KY at 35/100; next in Carter, KY: 41168 at 34/100; the Carter, KY average is 24/100.
Where does Carter County, KY rank for investment opportunity?
Carter, KY is #1,551 among all ranked counties, #83 in Kentucky; the Carter, KY driver is vacancy; Carter, KY moved up 118 places.
How many mortgages are delinquent in Carter County, KY?
Carter, KY takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Carter, KY.
Which banks lend in Carter County, KY?
3 watched lenders hold Carter, KY branches; the largest Carter, KY footprints are Commercial Bank Of Grayson (3), First Nb Of Grayson (3), Citizens Bank Of Ky Inc (1).
More on Carter, KY
Carter County, KY distress report: public-record figures for Carter, KY; not legal advice for Carter, KY; not tax or investment advice; verify every Carter, KY record before acting.