Estill County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Estill County, Kentucky? DLRadar grades every Estill County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Estill County breakdown.
- Estill County's most distressed ZIP is 40336 at 31/100.
- 5 ZIP codes tracked in Estill County, averaging 29/100 distress.
- Estill County reads peak — home values up 4.4% year over year.
- Vacancy runs 17.7% across Estill County's tracked ZIPs, with a 24.6% poverty rate.
- The typical Estill County home is worth about $121,960 against a ~$38,973 median income.
- Lending headwind in Estill County sits at 64/100 — 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 | 40336 | 31/100 |
| 2 | 40472 | 31/100 |
| 3 | 40312 | 30/100 |
| 4 | 40380 | 30/100 |
| 5 | 40447 | 24/100 |
Most distressed ZIP codes in Estill County (composite distress 0-100, 2026)
What is driving Estill County distress
Estill County's placement in the national index rests on public filings — a 29/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Estill County market phase and pricing
Estill County currently sits in peak after a 4.4% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Estill County
Browse the full Estill County distress data free, or start a 60-minute exploration to unlock the scored distressed properties inside each ZIP — no card charged today.
Card-free · live data across the whole platform for a week.
Questions about this county
What is the most distressed ZIP code in Estill County, KY?
ZIP 40336 leads Estill County at 31/100, recomputed monthly from public records.
Which phase does Estill County sit in right now?
The market phase for Estill County is peak, prices rising 4.4% on the year — derived from the FHFA House Price Index path.
What is this Estill County analysis built from?
Each Estill County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 5 local ZIPs and every other county in the country.
How much do distress scores vary between Estill County ZIP codes?
Averaging the county conceals how uneven it is. Across the Estill County ZIPs DLRadar ranks, scores run from 31/100 in 40336 down to 24/100 in 40447, against a Estill County average of 29/100. With 7 points between best and worst, county-level targeting in Estill County wastes effort.
What do Estill County home values and vacancy say about distressed supply?
The typical Estill County home carries about $121,960 of value against a median household income near $38,973. Vacancy across Estill County's tracked ZIPs runs 17.7% and the poverty rate is 24.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Estill County's foreclosure and tax-lien filings and its 64/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.