Floyd County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Floyd County, KY distress report, 2026: 34 ZIPs scored in Floyd, KY, Floyd, KY average 31/100; the top Floyd, KY ZIP is 41659 at 37/100; Floyd, KY market phase peak, Floyd, KY prices +4.4% year over year.
- Floyd, KY ranks #2,301 nationally (opportunity index); Floyd, KY #109 in Kentucky; Floyd, KY index 26.7.
- Floyd, KY: no CFPB county sample; Floyd, KY non-metro area reading 1.1%.
- Floyd, KY ZIP phases: 30 peak, 3 neutral, 1 expansion.
- Floyd, KY residential listings tracked: 6 across 31 ZIPs; Floyd, KY candidate listings 3.
- Floyd, KY HUD assisted properties: 5 with 293 units.
- Floyd, KY lenders on watch: 2; largest Floyd, KY footprint Citizens Bank Of Ky Inc (3 branches).
- Floyd, KY most distressed ZIP: 41659 at 37/100.
Floyd, KY figures: DLRadar distress index; Floyd, KY inputs: CFPB, FHFA, HUD, FDIC; Floyd, KY rebuilt as sources refresh.
| Rank | Floyd, KY ZIP | Score |
|---|---|---|
| 1 | 41659 | 37/100 |
| 2 | 41605 | 36/100 |
| 3 | 41601 | 31/100 |
| 4 | 41602 | 31/100 |
| 5 | 41603 | 31/100 |
| 6 | 41604 | 31/100 |
| 7 | 41606 | 31/100 |
| 8 | 41607 | 31/100 |
| 9 | 41612 | 31/100 |
| 10 | 41615 | 31/100 |
| 11 | 41616 | 31/100 |
| 12 | 41619 | 31/100 |
Most distressed Floyd, KY ZIPs (0-100, 2026)
Mortgage delinquency around Floyd, KY
No CFPB county sample covers Floyd, KY; the non-metro area reading for Floyd, KY: 1.1% ninety-plus; Floyd, KY area thirty-to-eighty-nine 3.0% (December 2025, Floyd, KY); Kentucky overall 1.0%.
Opportunity index: Floyd, KY
Floyd, KY index 26.7, Floyd, KY phase weak; Floyd, KY primary driver vacancy, Floyd, KY second driver bank institutional. Floyd, KY components: property stress 26.4, foreclosure pressure 28.2, listing discounts 9.5, bank stress 40.8, insurance 0.0; Floyd, KY pulse 30.6; Floyd, KY capital opportunity 20.9; Floyd, KY seven-day change -0.3%.
ZIP market phases inside Floyd, KY
34 Floyd, KY ZIPs carry a price-cycle phase; Floyd, KY ZIPs by phase (Floyd, KY), deepest drawdown first: neutral, +4.7% YoY (Floyd, KY): 41216; expansion, +5.1% YoY (Floyd, KY): 41265; peak, +4.4% YoY (Floyd, KY): 41601, 41602, 41603, 41604, Floyd, KY 41605, 41606, 41607, 41612, Floyd, KY 41615, 41616, 41619, 41621, Floyd, KY 41622; neutral, +4.8% YoY (Floyd, KY): 41630.
Residential listings by Floyd, KY ZIP
Floyd, KY ZIPs with the most tracked Floyd, KY residential listings: 41647 3 listings, 3 candidates, bank pressure 57; 41635 2 listings, 0 candidates, bank pressure 57; 41630 1 listings, 0 candidates, bank pressure 61; 41216 0 listings, 0 candidates, bank pressure 55 (Floyd, KY); 41601 0 listings, 0 candidates, bank pressure 57; 41602 0 listings, 0 candidates, bank pressure 57; 41603 0 listings, 0 candidates, bank pressure 57; 41604 0 listings, 0 candidates, bank pressure 57. Floyd, KY totals: 6 listings; Floyd, KY candidates 3; active ZIPs 0.
HUD assisted housing in Floyd, KY
5 assisted properties with 293 units sit in Floyd, KY; largest Floyd, KY properties: Cliffside Apartments (Prestonsburg) 94 units, 94 assisted; Highland Terrace (Prestonsburg) 80 units, 79 assisted; Highland Heights (Prestonsburg) 75 units, 75 assisted in Floyd, KY; Park Place Apartments (Prestonsburg) 32 units; Hope Homes (Minnie) 12 units, 12 assisted.
Lenders with branches in Floyd, KY
Floyd, KY lenders by branch count: Citizens Bank Of Ky Inc (Floyd, KY): stress 58, 3 branches low in Floyd, KY; Community Trust Bank Inc (Floyd, KY): stress 47, 2 branches low in Floyd, KY.
Vacancy and permits, Floyd, KY
2,805 of 17,505 Floyd, KY housing units are vacant; Floyd, KY permits, twelve months: 0 multifamily units in Floyd, KY, 5 one-to-four unit units.
Work Floyd, KY at the parcel level
Every Floyd, KY parcel carries owner and address; every Floyd, KY parcel carries APN; Floyd, KY distress scores sit on the Floyd, KY live board.
Floyd, KY figures refresh with each source.
Floyd, KY questions
Most distressed ZIP code in Floyd County, KY?
ZIP 41659 leads Floyd, KY at 37/100; next in Floyd, KY: 41605 at 36/100; the Floyd, KY average is 31/100.
Where does Floyd County, KY rank for investment opportunity?
Floyd, KY is #2,301 among all ranked counties, #109 in Kentucky; the Floyd, KY driver is vacancy; Floyd, KY moved down 110 places.
How many mortgages are delinquent in Floyd County, KY?
Floyd, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Floyd, KY.
Which banks lend in Floyd County, KY?
2 watched lenders hold Floyd, KY branches; the largest Floyd, KY footprints are Citizens Bank Of Ky Inc (3), Community Trust Bank Inc (2).
More on Floyd, KY
Floyd County, KY distress report: public-record figures for Floyd, KY; not legal advice for Floyd, KY; not tax or investment advice; verify every Floyd, KY record before acting.