Clark County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clark County, KY distress report, 2026: 4 ZIPs scored in Clark, KY, Clark, KY average 27/100; the top Clark, KY ZIP is 40509 at 31/100; Clark, KY market phase expansion, Clark, KY prices +5.9% year over year.
- Clark, KY ranks #1,269 nationally (opportunity index); Clark, KY #72 in Kentucky; Clark, KY index 30.2.
- Clark, KY: no CFPB county sample; Clark, KY metro area reading 0.8%.
- Clark, KY ZIP phases: 3 expansion, 1 neutral.
- Clark, KY residential listings tracked: 6 across 1 ZIPs; Clark, KY candidate listings 3.
- Clark, KY HUD assisted properties: 6 with 328 units.
- Clark, KY lenders on watch: 6; largest Clark, KY footprint Traditional Bank Inc (2 branches).
- Clark, KY most distressed ZIP: 40509 at 31/100.
Clark, KY figures: DLRadar distress index; Clark, KY inputs: CFPB, FHFA, HUD, FDIC; Clark, KY rebuilt as sources refresh.
| Rank | Clark, KY ZIP | Score |
|---|---|---|
| 1 | 40509 | 31/100 |
| 2 | 40515 | 31/100 |
| 3 | 40391 | 26/100 |
| 4 | 40353 | 18/100 |
Most distressed Clark, KY ZIPs (0-100, 2026)
Mortgage delinquency around Clark, KY
No CFPB county sample covers Clark, KY; the metro area reading for Clark, KY (Lexington-Fayette, KY): 0.8% ninety-plus; Clark, KY area thirty-to-eighty-nine 1.3% (December 2025, Clark, KY); Kentucky overall 1.0%.
Opportunity index: Clark, KY
Clark, KY index 30.2, Clark, KY phase watchlist; Clark, KY primary driver bank institutional, Clark, KY second driver construction. Clark, KY components: property stress 22.2, foreclosure pressure 19.8, listing discounts 34.7, bank stress 53.6, insurance 0.0; Clark, KY pulse 32.0; Clark, KY capital opportunity 27.6; Clark, KY seven-day change -0.1%.
ZIP market phases inside Clark, KY
4 Clark, KY ZIPs carry a price-cycle phase; Clark, KY ZIPs by phase (Clark, KY), deepest drawdown first: neutral, +4.5% YoY (Clark, KY): 40353; expansion, +5.9% YoY (Clark, KY): 40391, 40509, 40515.
Residential listings by Clark, KY ZIP
Clark, KY ZIPs with the most tracked Clark, KY residential listings: 40391 6 listings, 3 candidates, bank pressure 60. Clark, KY totals: 6 listings; Clark, KY candidates 3; active ZIPs 1.
HUD assisted housing in Clark, KY
6 assisted properties with 328 units sit in Clark, KY; largest Clark, KY properties: Westwood Apartments (Winchester) 96 units, 96 assisted; Beverly P White Towers (Winchester) 90 units, 90 assisted; Cambridge Square (Winchester) 62 units, 61 assisted in Clark, KY; Brown-Proctor Apartments (Winchester) 49 units, 49 assisted; Phoenix Apartments (Winchester) 21 units, 21 assisted; Bluegrass Steeplechase Estates (Winchester) 10 units, 10 assisted.
Lenders with branches in Clark, KY
Clark, KY lenders by branch count: Traditional Bank Inc (Clark, KY): stress 71, 2 branches low in Clark, KY; Peoples Exchange Bank (Clark, KY): stress 66, 2 branches low in Clark, KY; Central Bank&Trust Co (Clark, KY): stress 56, 2 branches low in Clark, KY; Stock Yards Bank&Trust Co (Clark, KY): stress 51, 2 branches low in Clark, KY; Community Trust Bank Inc (Clark, KY): stress 47, 2 branches low in Clark, KY; Citizens Bank Of Ky Inc (Clark, KY): stress 58, 1 branch low in Clark, KY.
Vacancy and permits, Clark, KY
1,363 of 16,418 Clark, KY housing units are vacant; Clark, KY permits, twelve months: 103 multifamily units in Clark, KY, 60 one-to-four unit units.
Work Clark, KY at the parcel level
Every Clark, KY parcel carries owner and address; every Clark, KY parcel carries APN; Clark, KY distress scores sit on the Clark, KY live board.
Clark, KY figures refresh with each source.
Clark, KY questions
Most distressed ZIP code in Clark County, KY?
ZIP 40509 leads Clark, KY at 31/100; next in Clark, KY: 40515 at 31/100; the Clark, KY average is 27/100.
Where does Clark County, KY rank for investment opportunity?
Clark, KY is #1,269 among all ranked counties, #72 in Kentucky; the Clark, KY driver is bank institutional; Clark, KY moved up 589 places.
How many mortgages are delinquent in Clark County, KY?
Clark, KY takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Clark, KY.
Which banks lend in Clark County, KY?
6 watched lenders hold Clark, KY branches; the largest Clark, KY footprints are Traditional Bank Inc (2), Peoples Exchange Bank (2), Central Bank&Trust Co (2).
More on Clark, KY
Clark County, KY distress report: public-record figures for Clark, KY; not legal advice for Clark, KY; not tax or investment advice; verify every Clark, KY record before acting.