Fayette County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Fayette County, KY distress report, 2026: 19 ZIPs scored in Fayette, KY, Fayette, KY average 30/100; the top Fayette, KY ZIP is 40502 at 31/100; Fayette, KY market phase expansion, Fayette, KY prices +5.9% year over year.
- Fayette, KY ranks #1,933 nationally (opportunity index); Fayette, KY #101 in Kentucky; Fayette, KY index 27.9.
- Fayette, KY ninety-day mortgage delinquency 0.7% in December 2025; Fayette, KY twelve-month change 0.0%.
- Fayette, KY ZIP phases: 19 expansion.
- Fayette, KY residential listings tracked: 155 across 16 ZIPs; Fayette, KY candidate listings 16.
- Fayette, KY HUD assisted properties: 38 with 3,354 units.
- Fayette, KY lenders on watch: 8; largest Fayette, KY footprint Central Bank&Trust Co (12 branches).
- Fayette, KY most distressed ZIP: 40502 at 31/100.
Fayette, KY figures: DLRadar distress index; Fayette, KY inputs: CFPB, FHFA, HUD, FDIC; Fayette, KY rebuilt as sources refresh.
| Rank | Fayette, KY ZIP | Score |
|---|---|---|
| 1 | 40502 | 31/100 |
| 2 | 40503 | 31/100 |
| 3 | 40504 | 31/100 |
| 4 | 40505 | 31/100 |
| 5 | 40507 | 31/100 |
| 6 | 40508 | 31/100 |
| 7 | 40509 | 31/100 |
| 8 | 40510 | 31/100 |
| 9 | 40511 | 31/100 |
| 10 | 40513 | 31/100 |
| 11 | 40514 | 31/100 |
| 12 | 40515 | 31/100 |
Most distressed Fayette, KY ZIPs (0-100, 2026)
Mortgage delinquency in Fayette, KY
0.7% of Fayette, KY mortgages were ninety-plus days late (Fayette, KY, December 2025); Fayette, KY thirty-to-eighty-nine days late: 1.0%; Fayette, KY twelve-month change 0.0%; Fayette, KY peak since 2008: 2.7% (February 2010); Kentucky overall 1.0%. Fayette, KY ninety-day series: Dec 24 0.7, Jan 25 0.8, Feb 25 0.7 (Fayette, KY), Mar 25 0.7, Apr 25 0.5, May 25 0.6 (Fayette, KY), Jun 25 0.7, Jul 25 0.5, Aug 25 0.5 (Fayette, KY), Sep 25 0.5, Oct 25 0.4, Nov 25 0.5 (Fayette, KY), Dec 25 0.7.
Opportunity index: Fayette, KY
Fayette, KY index 27.9, Fayette, KY phase early_signal; Fayette, KY primary driver bank institutional, Fayette, KY second driver construction. Fayette, KY components: property stress 17.9, foreclosure pressure 14.5, listing discounts 33.0, bank stress 49.5, insurance 0.0; Fayette, KY pulse 28.5; Fayette, KY capital opportunity 27.1; Fayette, KY seven-day change +0.4%.
ZIP market phases inside Fayette, KY
19 Fayette, KY ZIPs carry a price-cycle phase; Fayette, KY ZIPs by phase (Fayette, KY), deepest drawdown first: expansion, +5.9% YoY (Fayette, KY): 40324, 40361, 40391, 40502, Fayette, KY 40503, 40504, 40505, 40507, Fayette, KY 40508, 40509, 40510, 40511, Fayette, KY 40513, 40514, 40515, 40516.
Residential listings by Fayette, KY ZIP
Fayette, KY ZIPs with the most tracked Fayette, KY residential listings: 40509 28 listings, 3 candidates, bank pressure 60; 40503 16 listings, 0 candidates, bank pressure 61; 40515 16 listings, 2 candidates, bank pressure 60; 40508 15 listings, 5 candidates, bank pressure 61 (Fayette, KY); 40511 15 listings, 2 candidates, bank pressure 59; 40505 12 listings, 0 candidates, bank pressure 61; 40517 12 listings, 2 candidates, bank pressure 61; 40514 11 listings, 0 candidates, bank pressure 61. Fayette, KY totals: 155 listings; Fayette, KY candidates 16; active ZIPs 12.
HUD assisted housing in Fayette, KY
38 assisted properties with 3,354 units sit in Fayette, KY; largest Fayette, KY properties: Bridle Creek Apartments (Lexington) 384 units; Park Plaza (Lexington) 208 units; Centre Meadows (Lexington) 206 units in Fayette, KY; Briarwood Apts Of Lex (Lexington) 204 units, 203 assisted; Fairington Of Lexington (Lexington) 199 units, 199 assisted; Park Hill Apartments (Lexington) 192 units.
Lenders with branches in Fayette, KY
Fayette, KY lenders by branch count: Central Bank&Trust Co (Fayette, KY): stress 56, 12 branches low in Fayette, KY; Community Trust Bank Inc (Fayette, KY): stress 47, 6 branches low in Fayette, KY; Traditional Bank Inc (Fayette, KY): stress 71, 5 branches low in Fayette, KY; Republic Bank&Trust Co (Fayette, KY): stress 29, 5 branches low in Fayette, KY; Bank Of The Bluegrass&Tr Co (Fayette, KY): stress 66, 4 branches low in Fayette, KY; Bank Of Lexington Inc (Fayette, KY): stress 63, 4 branches low in Fayette, KY; Whitaker Bank (Fayette, KY): stress 57, 4 branches low in Fayette, KY; Stock Yards Bank&Trust Co (Fayette, KY): stress 51, 4 branches low in Fayette, KY.
Vacancy and permits, Fayette, KY
9,244 of 148,959 Fayette, KY housing units are vacant; Fayette, KY permits, twelve months: 595 multifamily units in Fayette, KY, 521 one-to-four unit units.
Work Fayette, KY at the parcel level
Every Fayette, KY parcel carries owner and address; every Fayette, KY parcel carries APN; Fayette, KY distress scores sit on the Fayette, KY live board.
Fayette, KY figures refresh with each source.
Fayette, KY questions
Most distressed ZIP code in Fayette County, KY?
ZIP 40502 leads Fayette, KY at 31/100; next in Fayette, KY: 40503 at 31/100; the Fayette, KY average is 30/100.
Where does Fayette County, KY rank for investment opportunity?
Fayette, KY is #1,933 among all ranked counties, #101 in Kentucky; the Fayette, KY driver is bank institutional; Fayette, KY moved up 679 places.
How many mortgages are delinquent in Fayette County, KY?
0.7% of Fayette, KY mortgages were ninety-plus days late in December 2025; the Fayette, KY peak since 2008 was 2.7%.
Which banks lend in Fayette County, KY?
8 watched lenders hold Fayette, KY branches; the largest Fayette, KY footprints are Central Bank&Trust Co (12), Community Trust Bank Inc (6), Traditional Bank Inc (5).
More on Fayette, KY
Fayette County, KY distress report: public-record figures for Fayette, KY; not legal advice for Fayette, KY; not tax or investment advice; verify every Fayette, KY record before acting.