Estill County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Estill County, KY distress report, 2026: 5 ZIPs scored in Estill, KY, Estill, KY average 30/100; the top Estill, KY ZIP is 40336 at 31/100; Estill, KY market phase peak, Estill, KY prices +4.4% year over year.
- Estill, KY ranks #14 nationally (opportunity index); Estill, KY #2 in Kentucky; Estill, KY index 41.8.
- Estill, KY: no CFPB county sample; Estill, KY non-metro area reading 1.1%.
- Estill, KY ZIP phases: 3 expansion, 1 neutral, 1 peak.
- Estill, KY residential listings tracked: 3 across 2 ZIPs; Estill, KY candidate listings 2.
- Estill, KY lenders on watch: 2; largest Estill, KY footprint Pbt Bcorp (2 branches).
- Estill, KY most distressed ZIP: 40336 at 31/100.
Estill, KY figures: DLRadar distress index; Estill, KY inputs: CFPB, FHFA, HUD, FDIC; Estill, KY rebuilt as sources refresh.
| Rank | Estill, KY ZIP | Score |
|---|---|---|
| 1 | 40336 | 31/100 |
| 2 | 40472 | 31/100 |
| 3 | 40312 | 30/100 |
| 4 | 40380 | 30/100 |
| 5 | 40447 | 29/100 |
Most distressed Estill, KY ZIPs (0-100, 2026)
Mortgage delinquency around Estill, KY
No CFPB county sample covers Estill, KY; the non-metro area reading for Estill, KY: 1.1% ninety-plus; Estill, KY area thirty-to-eighty-nine 3.0% (December 2025, Estill, KY); Kentucky overall 1.0%.
Opportunity index: Estill, KY
Estill, KY index 41.8, Estill, KY phase strong_buy; Estill, KY primary driver construction, Estill, KY second driver vacancy. Estill, KY components: property stress 28.5, foreclosure pressure 29.8, listing discounts 54.6, bank stress 67.4, insurance 0.0; Estill, KY pulse 47.0; Estill, KY capital opportunity 34.1; Estill, KY seven-day change +1.0%.
ZIP market phases inside Estill, KY
5 Estill, KY ZIPs carry a price-cycle phase; Estill, KY ZIPs by phase (Estill, KY), deepest drawdown first: expansion, +5.3% YoY (Estill, KY): 40312, 40447; neutral, +4.5% YoY (Estill, KY): 40336; expansion, +5.2% YoY (Estill, KY): 40380; peak, +4.4% YoY (Estill, KY): 40472.
Residential listings by Estill, KY ZIP
Estill, KY ZIPs with the most tracked Estill, KY residential listings: 40336 2 listings, 1 candidates, bank pressure 65; 40472 1 listings, 1 candidates, bank pressure 83. Estill, KY totals: 3 listings; Estill, KY candidates 2; active ZIPs 0.
Lenders with branches in Estill, KY
Estill, KY lenders by branch count: Pbt Bcorp (Estill, KY): stress 100, 2 branches low in Estill, KY; Citizens Guaranty Bank (Estill, KY): stress 66, 2 branches low in Estill, KY.
Vacancy and permits, Estill, KY
889 of 6,864 Estill, KY housing units are vacant.
Work Estill, KY at the parcel level
Every Estill, KY parcel carries owner and address; every Estill, KY parcel carries APN; Estill, KY distress scores sit on the Estill, KY live board.
Estill, KY figures refresh with each source.
Estill, KY questions
Most distressed ZIP code in Estill County, KY?
ZIP 40336 leads Estill, KY at 31/100; next in Estill, KY: 40472 at 31/100; the Estill, KY average is 30/100.
Where does Estill County, KY rank for investment opportunity?
Estill, KY is #14 among all ranked counties, #2 in Kentucky; the Estill, KY driver is construction; Estill, KY moved up 5 places.
How many mortgages are delinquent in Estill County, KY?
Estill, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Estill, KY.
Which banks lend in Estill County, KY?
2 watched lenders hold Estill, KY branches; the largest Estill, KY footprints are Pbt Bcorp (2), Citizens Guaranty Bank (2).
More on Estill, KY
Estill County, KY distress report: public-record figures for Estill, KY; not legal advice for Estill, KY; not tax or investment advice; verify every Estill, KY record before acting.