Christian County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Christian County, KY distress report, 2026: 15 ZIPs scored in Christian, KY, Christian, KY average 28/100; the top Christian, KY ZIP is 42223 at 33/100; Christian, KY market phase peak, Christian, KY prices +1.9% year over year.
- Christian, KY ranks #724 nationally (opportunity index); Christian, KY #57 in Kentucky; Christian, KY index 32.3.
- Christian, KY: no CFPB county sample; Christian, KY metro area reading 1.3%.
- Christian, KY ZIP phases: 13 peak, 2 expansion.
- Christian, KY residential listings tracked: 24 across 8 ZIPs; Christian, KY candidate listings 9.
- Christian, KY HUD assisted properties: 6 with 260 units.
- Christian, KY lenders on watch: 5; largest Christian, KY footprint United Southern Bank (5 branches).
- Christian, KY most distressed ZIP: 42223 at 33/100.
Christian, KY figures: DLRadar distress index; Christian, KY inputs: CFPB, FHFA, HUD, FDIC; Christian, KY rebuilt as sources refresh.
| Rank | Christian, KY ZIP | Score |
|---|---|---|
| 1 | 42223 | 33/100 |
| 2 | 42217 | 31/100 |
| 3 | 42240 | 31/100 |
| 4 | 42254 | 31/100 |
| 5 | 42262 | 31/100 |
| 6 | 42236 | 30/100 |
| 7 | 42266 | 30/100 |
| 8 | 42215 | 28/100 |
| 9 | 42232 | 28/100 |
| 10 | 42408 | 25/100 |
| 11 | 42442 | 25/100 |
| 12 | 42453 | 25/100 |
Most distressed Christian, KY ZIPs (0-100, 2026)
Mortgage delinquency around Christian, KY
No CFPB county sample covers Christian, KY; the metro area reading for Christian, KY (Clarksville, TN-KY): 1.3% ninety-plus; Christian, KY area thirty-to-eighty-nine 2.8% (December 2025, Christian, KY); Kentucky overall 1.0%.
Opportunity index: Christian, KY
Christian, KY index 32.3, Christian, KY phase watchlist; Christian, KY primary driver vacancy, Christian, KY second driver bank institutional. Christian, KY components: property stress 26.4, foreclosure pressure 26.4, listing discounts 32.7, bank stress 51.9, insurance 0.0; Christian, KY pulse 35.1; Christian, KY capital opportunity 28.0; Christian, KY seven-day change +1.0%.
ZIP market phases inside Christian, KY
15 Christian, KY ZIPs carry a price-cycle phase; Christian, KY ZIPs by phase (Christian, KY), deepest drawdown first: peak, +1.9% YoY, 2.5% off peak (Christian, KY): 42217, 42223, 42232, 42240, Christian, KY 42254, 42262, 42215, 42236; peak, +2.3% YoY, 2.2% off peak (Christian, KY): 42266; peak, +4.1% YoY, 0.4% off peak (Christian, KY): 42464; peak, +4.3% YoY, 0.4% off peak (Christian, KY): 42408; peak, +4.2% YoY, 0.2% off peak (Christian, KY): 42453; expansion, +5.1% YoY, 0.1% off peak (Christian, KY): 42286; expansion, +5.3% YoY, 0.0% off peak (Christian, KY): 42220; peak, +4.4% YoY, 0.0% off peak (Christian, KY): 42442.
Residential listings by Christian, KY ZIP
Christian, KY ZIPs with the most tracked Christian, KY residential listings: 42240 15 listings, 7 candidates, bank pressure 65; 42262 6 listings, 0 candidates, bank pressure 65; 42236 2 listings, 2 candidates, bank pressure 67; 42217 1 listings, 0 candidates, bank pressure 65 (Christian, KY); 42215 0 listings, 0 candidates, bank pressure 67; 42232 0 listings, 0 candidates, bank pressure 67; 42254 0 listings, 0 candidates, bank pressure 65; 42266 0 listings, 0 candidates, bank pressure 63. Christian, KY totals: 24 listings; Christian, KY candidates 9; active ZIPs 2.
HUD assisted housing in Christian, KY
6 assisted properties with 260 units sit in Christian, KY; largest Christian, KY properties: Woodland Heights (Hopkinsville) 100 units, 94 assisted; Westwood Senior House (Hopkinsville) 48 units, 48 assisted; Greenway Place (Hopkinsville) 40 units in Christian, KY; Masons Pointe Apts (Hopkinsville) 40 units; Austin Acres (Hopkinsville) 32 units; New Hope Properties (Hopkinsville) 0 units.
Lenders with branches in Christian, KY
Christian, KY lenders by branch count: United Southern Bank (Christian, KY): stress 54, 5 branches low in Christian, KY; Planters Bank Inc (Christian, KY): stress 59, 3 branches low in Christian, KY; Bank Of Cadiz&Trust Co (Christian, KY): stress 81, 1 branch low in Christian, KY; First Southern National Bank (Christian, KY): stress 68, 1 branch low in Christian, KY; Auburn Banking Co (Christian, KY): stress 68, 1 branch low in Christian, KY.
Vacancy and permits, Christian, KY
3,637 of 29,362 Christian, KY housing units are vacant; Christian, KY permits, twelve months: 62 multifamily units in Christian, KY, 103 one-to-four unit units.
Work Christian, KY at the parcel level
Every Christian, KY parcel carries owner and address; every Christian, KY parcel carries APN; Christian, KY distress scores sit on the Christian, KY live board.
Christian, KY figures refresh with each source.
Christian, KY questions
Most distressed ZIP code in Christian County, KY?
ZIP 42223 leads Christian, KY at 33/100; next in Christian, KY: 42217 at 31/100; the Christian, KY average is 28/100.
Where does Christian County, KY rank for investment opportunity?
Christian, KY is #724 among all ranked counties, #57 in Kentucky; the Christian, KY driver is vacancy; Christian, KY moved up 459 places.
How many mortgages are delinquent in Christian County, KY?
Christian, KY takes the metro area reading of 1.3% for December 2025; no CFPB county sample covers Christian, KY.
Which banks lend in Christian County, KY?
5 watched lenders hold Christian, KY branches; the largest Christian, KY footprints are United Southern Bank (5), Planters Bank Inc (3), Bank Of Cadiz&Trust Co (1).
More on Christian, KY
Christian County, KY distress report: public-record figures for Christian, KY; not legal advice for Christian, KY; not tax or investment advice; verify every Christian, KY record before acting.