Fleming County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fleming County, Kentucky? DLRadar grades every Fleming County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Fleming County breakdown.
- Fleming County's most distressed ZIP is 41041 at 26/100.
- 7 ZIP codes tracked in Fleming County, averaging 24/100 distress.
- Fleming County reads expansion — home values up 5.3% year over year.
- Vacancy runs 16.7% across Fleming County's tracked ZIPs, with a 19.8% poverty rate.
- The typical Fleming County home is worth about $154,557 against a ~$50,099 median income.
- Lending headwind in Fleming County sits at 26/100 — 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 | 41041 | 26/100 |
| 2 | 41049 | 26/100 |
| 3 | 41093 | 26/100 |
| 4 | 41039 | 25/100 |
| 5 | 40351 | 24/100 |
| 6 | 41055 | 20/100 |
| 7 | 41056 | 20/100 |
Most distressed ZIP codes in Fleming County (composite distress 0-100, 2026)
What is driving Fleming County distress
DLRadar builds Fleming County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Fleming County market phase and pricing
Fleming County currently sits in expansion after a 5.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions and answers
Which part of Fleming County, KY scores highest for distress?
ZIP 41041 leads Fleming County at 26/100, recomputed monthly from public records.
Which phase does Fleming County sit in right now?
Fleming County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Fleming County figures be verified?
Fleming County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Fleming County ZIP codes?
A county average hides the spread. Across the Fleming County ZIPs DLRadar ranks, scores run from 26/100 in 41041 down to 20/100 in 41056, against a Fleming County average of 24/100. With 6 points between best and worst, county-level targeting in Fleming County wastes effort.
What do Fleming County home values and vacancy say about distressed supply?
The typical Fleming County home carries about $154,557 of value against a median household income near $50,099. Vacancy across Fleming County's tracked ZIPs runs 16.7% and the poverty rate is 19.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Fleming County's foreclosure and tax-lien filings and its 26/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.