Franklin County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Franklin County, KY distress report, 2026: 5 ZIPs scored in Franklin, KY, Franklin, KY average 24/100; the top Franklin, KY ZIP is 40379 at 28/100; Franklin, KY market phase peak, Franklin, KY prices +4.4% year over year.
- Franklin, KY ranks #1,831 nationally (opportunity index); Franklin, KY #97 in Kentucky; Franklin, KY index 28.3.
- Franklin, KY: no CFPB county sample; Franklin, KY non-metro area reading 1.1%.
- Franklin, KY ZIP phases: 3 peak, 2 expansion.
- Franklin, KY residential listings tracked: 87 across 1 ZIPs; Franklin, KY candidate listings 8.
- Franklin, KY HUD assisted properties: 9 with 218 units.
- Franklin, KY lenders on watch: 7; largest Franklin, KY footprint First Fsb Of Kentucky (3 branches).
- Franklin, KY most distressed ZIP: 40379 at 28/100.
Franklin, KY figures: DLRadar distress index; Franklin, KY inputs: CFPB, FHFA, HUD, FDIC; Franklin, KY rebuilt as sources refresh.
| Rank | Franklin, KY ZIP | Score |
|---|---|---|
| 1 | 40379 | 28/100 |
| 2 | 40347 | 26/100 |
| 3 | 40601 | 26/100 |
| 4 | 40076 | 21/100 |
| 5 | 40003 | 20/100 |
Most distressed Franklin, KY ZIPs (0-100, 2026)
Mortgage delinquency around Franklin, KY
No CFPB county sample covers Franklin, KY; the non-metro area reading for Franklin, KY: 1.1% ninety-plus; Franklin, KY area thirty-to-eighty-nine 3.0% (December 2025, Franklin, KY); Kentucky overall 1.0%.
Opportunity index: Franklin, KY
Franklin, KY index 28.3, Franklin, KY phase early_signal; Franklin, KY primary driver bank institutional, Franklin, KY second driver listings discount. Franklin, KY components: property stress 19.0, foreclosure pressure 17.2, listing discounts 40.9, bank stress 53.8, insurance 0.0; Franklin, KY pulse 27.5; Franklin, KY capital opportunity 29.5; Franklin, KY seven-day change +1.0%.
ZIP market phases inside Franklin, KY
5 Franklin, KY ZIPs carry a price-cycle phase; Franklin, KY ZIPs by phase (Franklin, KY), deepest drawdown first: peak, +3.8% YoY (Franklin, KY): 40003; peak, +3.9% YoY (Franklin, KY): 40076; expansion, +5.7% YoY (Franklin, KY): 40347; expansion, +5.8% YoY (Franklin, KY): 40379; peak, +4.5% YoY (Franklin, KY): 40601.
Residential listings by Franklin, KY ZIP
Franklin, KY ZIPs with the most tracked Franklin, KY residential listings: 40601 87 listings, 8 candidates, bank pressure 58. Franklin, KY totals: 87 listings; Franklin, KY candidates 8; active ZIPs 1.
HUD assisted housing in Franklin, KY
9 assisted properties with 218 units sit in Franklin, KY; largest Franklin, KY properties: Prince Hall Village Apartments (Frankfort) 100 units, 100 assisted; Kings Daughters Apartments (Frankfort) 61 units, 60 assisted; Cottages Of Frankfort Ii (Frankfort) 24 units in Franklin, KY; Franklin Place Apartments (Frankfort) 13 units, 12 assisted; Project Outreach Esperanza, Inc. (Frankfort) 4 units, 3 assisted; Project Outreach - Leawood (Frankfort) 4 units, 3 assisted.
Lenders with branches in Franklin, KY
Franklin, KY lenders by branch count: First Fsb Of Kentucky (Franklin, KY): stress 74, 3 branches low in Franklin, KY; Whitaker Bank (Franklin, KY): stress 57, 3 branches low in Franklin, KY; Independence Bank Of Ky (Franklin, KY): stress 74, 2 branches low in Franklin, KY; Traditional Bank Inc (Franklin, KY): stress 71, 2 branches low in Franklin, KY; Community Trust Bank Inc (Franklin, KY): stress 47, 2 branches low in Franklin, KY; Monticello Banking Co (Franklin, KY): stress 76, 1 branch low in Franklin, KY; Independent Correspondent Ba (Franklin, KY): stress 62, 1 branch low in Franklin, KY.
Vacancy and permits, Franklin, KY
1,445 of 24,163 Franklin, KY housing units are vacant; Franklin, KY permits, twelve months: 56 multifamily units in Franklin, KY, 120 one-to-four unit units.
Work Franklin, KY at the parcel level
Every Franklin, KY parcel carries owner and address; every Franklin, KY parcel carries APN; Franklin, KY distress scores sit on the Franklin, KY live board.
Franklin, KY figures refresh with each source.
Franklin, KY questions
Most distressed ZIP code in Franklin County, KY?
ZIP 40379 leads Franklin, KY at 28/100; next in Franklin, KY: 40347 at 26/100; the Franklin, KY average is 24/100.
Where does Franklin County, KY rank for investment opportunity?
Franklin, KY is #1,831 among all ranked counties, #97 in Kentucky; the Franklin, KY driver is bank institutional; Franklin, KY moved up 940 places.
How many mortgages are delinquent in Franklin County, KY?
Franklin, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Franklin, KY.
Which banks lend in Franklin County, KY?
7 watched lenders hold Franklin, KY branches; the largest Franklin, KY footprints are First Fsb Of Kentucky (3), Whitaker Bank (3), Independence Bank Of Ky (2).
More on Franklin, KY
Franklin County, KY distress report: public-record figures for Franklin, KY; not legal advice for Franklin, KY; not tax or investment advice; verify every Franklin, KY record before acting.