Franklin County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Franklin County, Kentucky? DLRadar grades every Franklin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Franklin County breakdown.
- Franklin County's most distressed ZIP is 40379 at 28/100.
- 5 ZIP codes tracked in Franklin County, averaging 24/100 distress.
- Franklin County reads peak — home values up 4.4% year over year.
- Vacancy runs 6.4% across Franklin County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Franklin County home is worth about $283,120 against a ~$69,092 median income.
- Lending headwind in Franklin County sits at 53/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40379 | 28/100 |
| 2 | 40347 | 27/100 |
| 3 | 40601 | 25/100 |
| 4 | 40003 | 19/100 |
| 5 | 40076 | 19/100 |
Most distressed ZIP codes in Franklin County (composite distress 0-100, 2026)
What is driving Franklin County distress
DLRadar builds Franklin 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.
Franklin County market phase and pricing
Franklin County currently sits in peak after a 4.4% 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 Franklin County
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Common questions
Which ZIP code leads Franklin County on distress?
ZIP 40379 leads Franklin County at 28/100, recomputed monthly from public records.
What stage of the price cycle is Franklin County at?
Franklin County currently sits in peak, with values up 4.4% year on year, based on FHFA price-index trajectory.
What is this Franklin County analysis built from?
Every Franklin County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 5 Franklin County ZIP codes that it runs on every other U.S. county, so Franklin County's numbers are directly comparable to any other market.
How much do distress scores vary between Franklin County ZIP codes?
One county number flattens a wide range. Across the Franklin County ZIPs DLRadar ranks, scores run from 28/100 in 40379 down to 19/100 in 40076, against a Franklin County average of 24/100. The 9-point range is the argument for ZIP-level search across Franklin County.
What do Franklin County home values and vacancy say about distressed supply?
The typical Franklin County home carries about $283,120 of value against a median household income near $69,092. Vacancy across Franklin County's tracked ZIPs runs 6.4% and the poverty rate is 10.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Franklin County's foreclosure and tax-lien filings and its 53/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.