Gallatin County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gallatin County, KY distress report, 2026: 6 ZIPs scored in Gallatin, KY, Gallatin, KY average 19/100; the top Gallatin, KY ZIP is 41092 at 23/100; Gallatin, KY market phase peak, Gallatin, KY prices +3.5% year over year.
- Gallatin, KY ranks #2,543 nationally (opportunity index); Gallatin, KY #116 in Kentucky; Gallatin, KY index 25.7.
- Gallatin, KY: no CFPB county sample; Gallatin, KY metro area reading 0.8%.
- Gallatin, KY ZIP phases: 4 peak, 2 neutral.
- Gallatin, KY residential listings tracked: 0 across 2 ZIPs; Gallatin, KY candidate listings 0.
- Gallatin, KY lenders on watch: 1; largest Gallatin, KY footprint First Nb Of Kentucky (1 branch).
- Gallatin, KY most distressed ZIP: 41092 at 23/100.
Gallatin, KY figures: DLRadar distress index; Gallatin, KY inputs: CFPB, FHFA, HUD, FDIC; Gallatin, KY rebuilt as sources refresh.
| Rank | Gallatin, KY ZIP | Score |
|---|---|---|
| 1 | 41092 | 23/100 |
| 2 | 41086 | 19/100 |
| 3 | 41095 | 19/100 |
| 4 | 41046 | 18/100 |
| 5 | 41045 | 16/100 |
| 6 | 41083 | 16/100 |
Most distressed Gallatin, KY ZIPs (0-100, 2026)
Mortgage delinquency around Gallatin, KY
No CFPB county sample covers Gallatin, KY; the metro area reading for Gallatin, KY (Cincinnati, OH-KY-IN): 0.8% ninety-plus; Gallatin, KY area thirty-to-eighty-nine 2.0% (December 2025, Gallatin, KY); Kentucky overall 1.0%.
Opportunity index: Gallatin, KY
Gallatin, KY index 25.7, Gallatin, KY phase weak; Gallatin, KY primary driver vacancy, Gallatin, KY second driver bank institutional. Gallatin, KY components: property stress 23.2, foreclosure pressure 23.3, listing discounts 6.5, bank stress 41.9, insurance 0.0; Gallatin, KY pulse 30.2; Gallatin, KY capital opportunity 18.9; Gallatin, KY seven-day change +0.9%.
ZIP market phases inside Gallatin, KY
6 Gallatin, KY ZIPs carry a price-cycle phase; Gallatin, KY ZIPs by phase (Gallatin, KY), deepest drawdown first: neutral, +4.7% YoY (Gallatin, KY): 41045; peak, +4.3% YoY (Gallatin, KY): 41046, 41086; neutral, +4.8% YoY (Gallatin, KY): 41083; peak, +3.5% YoY (Gallatin, KY): 41092, 41095.
Residential listings by Gallatin, KY ZIP
Gallatin, KY ZIPs with the most tracked Gallatin, KY residential listings: 41086 0 listings, 0 candidates, bank pressure 55; 41095 0 listings, 0 candidates, bank pressure 55. Gallatin, KY totals: 0 listings; Gallatin, KY candidates 0; active ZIPs 0.
Lenders with branches in Gallatin, KY
Gallatin, KY lenders by branch count: First Nb Of Kentucky (Gallatin, KY): stress 59, 1 branch low in Gallatin, KY.
Vacancy and permits, Gallatin, KY
551 of 3,816 Gallatin, KY housing units are vacant; Gallatin, KY permits, twelve months: 0 multifamily units in Gallatin, KY, 55 one-to-four unit units.
Work Gallatin, KY at the parcel level
Every Gallatin, KY parcel carries owner and address; every Gallatin, KY parcel carries APN; Gallatin, KY distress scores sit on the Gallatin, KY live board.
Gallatin, KY figures refresh with each source.
Gallatin, KY questions
Most distressed ZIP code in Gallatin County, KY?
ZIP 41092 leads Gallatin, KY at 23/100; next in Gallatin, KY: 41086 at 19/100; the Gallatin, KY average is 19/100.
Where does Gallatin County, KY rank for investment opportunity?
Gallatin, KY is #2,543 among all ranked counties, #116 in Kentucky; the Gallatin, KY driver is vacancy; Gallatin, KY moved down 205 places.
How many mortgages are delinquent in Gallatin County, KY?
Gallatin, KY takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Gallatin, KY.
Which banks lend in Gallatin County, KY?
1 watched lenders hold Gallatin, KY branches; the largest Gallatin, KY footprints are First Nb Of Kentucky (1).
More on Gallatin, KY
Gallatin County, KY distress report: public-record figures for Gallatin, KY; not legal advice for Gallatin, KY; not tax or investment advice; verify every Gallatin, KY record before acting.