Clark County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clark County, Kentucky? DLRadar grades every Clark County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Clark County breakdown.
- Clark County's most distressed ZIP is 40509 at 31/100.
- 4 ZIP codes tracked in Clark County, averaging 27/100 distress.
- Clark County reads expansion — home values up 5.9% year over year.
- Vacancy runs 6.8% across Clark County's tracked ZIPs, with a 10.9% poverty rate.
- The typical Clark County home is worth about $273,925 against a ~$77,181 median income.
- Lending headwind in Clark County sits at 45/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40509 | 31/100 |
| 2 | 40515 | 31/100 |
| 3 | 40391 | 26/100 |
| 4 | 40353 | 20/100 |
Most distressed ZIP codes in Clark County (composite distress 0-100, 2026)
What is driving Clark County distress
Clark County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 27/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Clark County market phase and pricing
Phase for Clark County: expansion (+5.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clark County
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Frequently asked questions
Which Clark County ZIP scores worst for distress?
ZIP 40509 leads Clark County at 31/100, recomputed monthly from public records.
Is Clark County expanding or contracting?
The market phase for Clark County is expansion, prices rising 5.9% on the year — derived from the FHFA House Price Index path.
Where does the Clark County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 4 Clark County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Clark County ZIP codes?
A single county score papers over real variation. Across the Clark County ZIPs DLRadar ranks, scores run from 31/100 in 40509 down to 20/100 in 40353, against a Clark County average of 27/100. The 11-point range is the argument for ZIP-level search across Clark County.
What do Clark County home values and vacancy say about distressed supply?
The typical Clark County home carries about $273,925 of value against a median household income near $77,181. Vacancy across Clark County's tracked ZIPs runs 6.8% and the poverty rate is 10.9%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Clark County's foreclosure and lien filings and its 45/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.