Cumberland County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cumberland County, Kentucky? DLRadar grades every Cumberland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Cumberland County breakdown.
- Cumberland County's most distressed ZIP is 42715 at 21/100.
- 4 ZIP codes tracked in Cumberland County, averaging 14/100 distress.
- Cumberland County reads expansion — home values up 5.3% year over year.
- Vacancy runs 19.6% across Cumberland County's tracked ZIPs, with a 28.5% poverty rate.
- The typical Cumberland County home is worth about $162,033 against a ~$43,346 median income.
- Lending headwind in Cumberland County sits at 12/100 — 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 | 42715 | 21/100 |
| 2 | 42717 | 12/100 |
| 3 | 42759 | 12/100 |
| 4 | 42167 | 11/100 |
Most distressed ZIP codes in Cumberland County (composite distress 0-100, 2026)
What is driving Cumberland County distress
The Cumberland County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 14/100 ZIP average. No proprietary or modelled inputs enter the score.
Cumberland County market phase and pricing
The cycle in Cumberland County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Cumberland County
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Common questions
What is the hardest-hit ZIP in Cumberland County?
ZIP 42715 leads Cumberland County at 21/100, recomputed monthly from public records.
How would you describe the Cumberland County market phase?
FHFA price-index movement places Cumberland County in expansion; prices are up 5.3% over twelve months.
Which datasets feed the Cumberland County scores?
Every Cumberland 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 4 Cumberland County ZIP codes that it runs on every other U.S. county, so Cumberland County's numbers are directly comparable to any other market.
How much do distress scores vary between Cumberland County ZIP codes?
A single county score papers over real variation. Across the Cumberland County ZIPs DLRadar ranks, scores run from 21/100 in 42715 down to 11/100 in 42167, against a Cumberland County average of 14/100. With 10 points between best and worst, county-level targeting in Cumberland County wastes effort.
What do Cumberland County home values and vacancy say about distressed supply?
The typical Cumberland County home carries about $162,033 of value against a median household income near $43,346. Vacancy across Cumberland County's tracked ZIPs runs 19.6% and the poverty rate is 28.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Cumberland County's foreclosure and lien data and its 12/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.