Gallatin County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gallatin County, Kentucky? DLRadar grades every Gallatin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Gallatin County breakdown.
- Gallatin County's most distressed ZIP is 41092 at 25/100.
- 6 ZIP codes tracked in Gallatin County, averaging 19/100 distress.
- Gallatin County reads peak — home values up 3.5% year over year.
- Vacancy runs 13.2% across Gallatin County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Gallatin County home is worth about $200,883 against a ~$69,804 median income.
- Lending headwind in Gallatin County sits at 44/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 41092 | 25/100 |
| 2 | 41086 | 20/100 |
| 3 | 41046 | 19/100 |
| 4 | 41095 | 19/100 |
| 5 | 41045 | 16/100 |
| 6 | 41083 | 16/100 |
Most distressed ZIP codes in Gallatin County (composite distress 0-100, 2026)
What is driving Gallatin County distress
The Gallatin County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 19/100 ZIP average. No proprietary or modelled inputs enter the score.
Gallatin County market phase and pricing
Gallatin County currently sits in peak after a 3.5% 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 Gallatin County
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Questions about this county
What is the most distressed ZIP code in Gallatin County, KY?
ZIP 41092 leads Gallatin County at 25/100, recomputed monthly from public records.
What stage of the price cycle is Gallatin County at?
Gallatin County is classified peak with a 3.5% year-over-year increase, following the FHFA House Price Index.
How is the Gallatin County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 6 Gallatin County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Gallatin County ZIP codes?
One county number flattens a wide range. Across the Gallatin County ZIPs DLRadar ranks, scores run from 25/100 in 41092 down to 16/100 in 41083, against a Gallatin County average of 19/100. A spread of 9 points means Gallatin County has to be worked ZIP by ZIP.
What do Gallatin County home values and vacancy say about distressed supply?
The typical Gallatin County home carries about $200,883 of value against a median household income near $69,804. Vacancy across Gallatin County's tracked ZIPs runs 13.2% and the poverty rate is 14.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Gallatin County's foreclosure and lien filings and its 44/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.