Fleming County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Fleming County, KY distress report, 2026: 7 ZIPs scored in Fleming, KY, Fleming, KY average 24/100; the top Fleming, KY ZIP is 40351 at 27/100; Fleming, KY market phase expansion, Fleming, KY prices +5.3% year over year.
- Fleming, KY ranks #453 nationally (opportunity index); Fleming, KY #34 in Kentucky; Fleming, KY index 33.7.
- Fleming, KY: no CFPB county sample; Fleming, KY non-metro area reading 1.1%.
- Fleming, KY ZIP phases: 7 expansion.
- Fleming, KY residential listings tracked: 8 across 4 ZIPs; Fleming, KY candidate listings 4.
- Fleming, KY HUD assisted properties: 1 with 60 units.
- Fleming, KY lenders on watch: 2; largest Fleming, KY footprint Peoples Bank Of Kentucky Inc (5 branches).
- Fleming, KY most distressed ZIP: 40351 at 27/100.
Fleming, KY figures: DLRadar distress index; Fleming, KY inputs: CFPB, FHFA, HUD, FDIC; Fleming, KY rebuilt as sources refresh.
| Rank | Fleming, KY ZIP | Score |
|---|---|---|
| 1 | 40351 | 27/100 |
| 2 | 41041 | 26/100 |
| 3 | 41049 | 26/100 |
| 4 | 41093 | 26/100 |
| 5 | 41039 | 25/100 |
| 6 | 41055 | 19/100 |
| 7 | 41056 | 19/100 |
Most distressed Fleming, KY ZIPs (0-100, 2026)
Mortgage delinquency around Fleming, KY
No CFPB county sample covers Fleming, KY; the non-metro area reading for Fleming, KY: 1.1% ninety-plus; Fleming, KY area thirty-to-eighty-nine 3.0% (December 2025, Fleming, KY); Kentucky overall 1.0%.
Opportunity index: Fleming, KY
Fleming, KY index 33.7, Fleming, KY phase overheated; Fleming, KY primary driver construction, Fleming, KY second driver vacancy. Fleming, KY components: property stress 23.3, foreclosure pressure 22.3, listing discounts 26.7, bank stress 61.4, insurance 0.0; Fleming, KY pulse 40.8; Fleming, KY capital opportunity 23.1; Fleming, KY seven-day change -0.3%.
ZIP market phases inside Fleming, KY
7 Fleming, KY ZIPs carry a price-cycle phase; Fleming, KY ZIPs by phase (Fleming, KY), deepest drawdown first: expansion, +5.3% YoY (Fleming, KY): 40351, 41039, 41041, 41049, Fleming, KY 41055, 41056, 41093.
Residential listings by Fleming, KY ZIP
Fleming, KY ZIPs with the most tracked Fleming, KY residential listings: 41041 4 listings, 3 candidates, bank pressure 62; 41049 2 listings, 1 candidates, bank pressure 57; 41093 2 listings, 0 candidates, bank pressure 68; 41039 0 listings, 0 candidates, bank pressure 57 (Fleming, KY). Fleming, KY totals: 8 listings; Fleming, KY candidates 4; active ZIPs 1.
HUD assisted housing in Fleming, KY
1 assisted properties with 60 units sit in Fleming, KY; largest Fleming, KY properties: Ridgeway Park Apartments (Flemingsburg) 60 units, 59 assisted.
Lenders with branches in Fleming, KY
Fleming, KY lenders by branch count: Peoples Bank Of Kentucky Inc (Fleming, KY): stress 77, 5 branches low in Fleming, KY; Community Trust Bank Inc (Fleming, KY): stress 47, 3 branches low in Fleming, KY.
Vacancy and permits, Fleming, KY
934 of 6,793 Fleming, KY housing units are vacant.
Work Fleming, KY at the parcel level
Every Fleming, KY parcel carries owner and address; every Fleming, KY parcel carries APN; Fleming, KY distress scores sit on the Fleming, KY live board.
Fleming, KY figures refresh with each source.
Fleming, KY questions
Most distressed ZIP code in Fleming County, KY?
ZIP 40351 leads Fleming, KY at 27/100; next in Fleming, KY: 41041 at 26/100; the Fleming, KY average is 24/100.
Where does Fleming County, KY rank for investment opportunity?
Fleming, KY is #453 among all ranked counties, #34 in Kentucky; the Fleming, KY driver is construction; Fleming, KY moved down 247 places.
How many mortgages are delinquent in Fleming County, KY?
Fleming, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Fleming, KY.
Which banks lend in Fleming County, KY?
2 watched lenders hold Fleming, KY branches; the largest Fleming, KY footprints are Peoples Bank Of Kentucky Inc (5), Community Trust Bank Inc (3).
More on Fleming, KY
Fleming County, KY distress report: public-record figures for Fleming, KY; not legal advice for Fleming, KY; not tax or investment advice; verify every Fleming, KY record before acting.