Garrard County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garrard County, Kentucky? DLRadar grades every Garrard County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Garrard County breakdown.
- Garrard County's most distressed ZIP is 40403 at 25/100.
- 5 ZIP codes tracked in Garrard County, averaging 23/100 distress.
- Garrard County reads expansion — home values up 5.3% year over year.
- Vacancy runs 9.2% across Garrard County's tracked ZIPs, with a 16.1% poverty rate.
- The typical Garrard County home is worth about $181,920 against a ~$59,322 median income.
- Lending headwind in Garrard County sits at 41/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40403 | 25/100 |
| 2 | 40419 | 23/100 |
| 3 | 40444 | 23/100 |
| 4 | 40461 | 22/100 |
| 5 | 40484 | 22/100 |
Most distressed ZIP codes in Garrard County (composite distress 0-100, 2026)
What is driving Garrard County distress
Nothing here is estimated: Garrard County is scored from filings alone, and its ZIPs average 23/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Garrard County market phase and pricing
The cycle in Garrard County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Garrard County
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Common questions
Which part of Garrard County, KY scores highest for distress?
ZIP 40403 leads Garrard County at 25/100, recomputed monthly from public records.
How would you describe the Garrard County market phase?
FHFA price-index movement places Garrard County in expansion; prices are up 5.3% over twelve months.
Where does the Garrard County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 5 Garrard County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Garrard County ZIP codes?
The county figure is a blend, not a description. Across the Garrard County ZIPs DLRadar ranks, scores run from 25/100 in 40403 down to 22/100 in 40484, against a Garrard County average of 23/100. With 3 points between best and worst, county-level targeting in Garrard County wastes effort.
What do Garrard County home values and vacancy say about distressed supply?
The typical Garrard County home carries about $181,920 of value against a median household income near $59,322. Vacancy across Garrard County's tracked ZIPs runs 9.2% and the poverty rate is 16.1%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Garrard County's foreclosure and tax-lien filings and its 41/100 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.