Fayette County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fayette County, Kentucky? DLRadar grades every Fayette County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Fayette County breakdown.
- Fayette County's most distressed ZIP is 40502 at 32/100.
- 19 ZIP codes tracked in Fayette County, averaging 31/100 distress.
- Fayette County reads expansion — home values up 5.9% year over year.
- Vacancy runs 11.5% across Fayette County's tracked ZIPs, with a 15.8% poverty rate.
- The typical Fayette County home is worth about $317,859 against a ~$71,752 median income.
- Lending headwind in Fayette County sits at 42/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40502 | 32/100 |
| 2 | 40503 | 32/100 |
| 3 | 40504 | 32/100 |
| 4 | 40505 | 32/100 |
| 5 | 40507 | 32/100 |
| 6 | 40508 | 32/100 |
| 7 | 40510 | 32/100 |
| 8 | 40513 | 32/100 |
| 9 | 40514 | 32/100 |
| 10 | 40517 | 32/100 |
| 11 | 40526 | 32/100 |
| 12 | 40536 | 32/100 |
Most distressed ZIP codes in Fayette County (composite distress 0-100, 2026)
What is driving Fayette County distress
The Fayette County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 31/100 ZIP average. No proprietary or modelled inputs enter the score.
Fayette County market phase and pricing
Fayette County currently sits in expansion after a 5.9% 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 Fayette County
The Fayette County scores above are open to read. A 60-minute exploration adds the individual distressed properties behind each ZIP — no card required.
Card-free · live data across the whole platform for a week.
Common questions
What is the hardest-hit ZIP in Fayette County?
ZIP 40502 leads Fayette County at 32/100, recomputed monthly from public records.
What stage of the price cycle is Fayette County at?
Phase for Fayette County: expansion, tracking a 5.9% gain year over year, read off the FHFA index.
Which datasets feed the Fayette County scores?
Every Fayette 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 19 Fayette County ZIP codes that it runs on every other U.S. county, so Fayette County's numbers are directly comparable to any other market.
How much do distress scores vary between Fayette County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Fayette County ZIPs DLRadar ranks, scores run from 32/100 in 40502 down to 32/100 in 40536, against a Fayette County average of 31/100. A spread of 0 points means Fayette County has to be worked ZIP by ZIP.
What do Fayette County home values and vacancy say about distressed supply?
The typical Fayette County home carries about $317,859 of value against a median household income near $71,752. Vacancy across Fayette County's tracked ZIPs runs 11.5% and the poverty rate is 15.8%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Fayette County's filings and its 42/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.