Garrard County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Garrard County, KY distress report, 2026: 5 ZIPs scored in Garrard, KY, Garrard, KY average 25/100; the top Garrard, KY ZIP is 40403 at 31/100; Garrard, KY market phase expansion, Garrard, KY prices +5.3% year over year.
- Garrard, KY ranks #674 nationally (opportunity index); Garrard, KY #45 in Kentucky; Garrard, KY index 32.5.
- Garrard, KY: no CFPB county sample; Garrard, KY non-metro area reading 1.1%.
- Garrard, KY ZIP phases: 3 neutral, 1 expansion, 1 peak.
- Garrard, KY residential listings tracked: 6 across 2 ZIPs; Garrard, KY candidate listings 3.
- Garrard, KY lenders on watch: 4; largest Garrard, KY footprint Whitaker Bank (2 branches).
- Garrard, KY most distressed ZIP: 40403 at 31/100.
Garrard, KY figures: DLRadar distress index; Garrard, KY inputs: CFPB, FHFA, HUD, FDIC; Garrard, KY rebuilt as sources refresh.
| Rank | Garrard, KY ZIP | Score |
|---|---|---|
| 1 | 40403 | 31/100 |
| 2 | 40461 | 28/100 |
| 3 | 40444 | 23/100 |
| 4 | 40419 | 22/100 |
| 5 | 40484 | 21/100 |
Most distressed Garrard, KY ZIPs (0-100, 2026)
Mortgage delinquency around Garrard, KY
No CFPB county sample covers Garrard, KY; the non-metro area reading for Garrard, KY: 1.1% ninety-plus; Garrard, KY area thirty-to-eighty-nine 3.0% (December 2025, Garrard, KY); Kentucky overall 1.0%.
Opportunity index: Garrard, KY
Garrard, KY index 32.5, Garrard, KY phase watchlist; Garrard, KY primary driver bank institutional, Garrard, KY second driver construction. Garrard, KY components: property stress 22.5, foreclosure pressure 21.0, listing discounts 38.5, bank stress 58.9, insurance 0.0; Garrard, KY pulse 35.5; Garrard, KY capital opportunity 28.1; Garrard, KY seven-day change -0.3%.
ZIP market phases inside Garrard, KY
5 Garrard, KY ZIPs carry a price-cycle phase; Garrard, KY ZIPs by phase (Garrard, KY), deepest drawdown first: neutral, +4.5% YoY (Garrard, KY): 40403; neutral, +4.6% YoY (Garrard, KY): 40419; expansion, +5.3% YoY (Garrard, KY): 40444; neutral, +5.0% YoY (Garrard, KY): 40461; peak, +4.4% YoY (Garrard, KY): 40484.
Residential listings by Garrard, KY ZIP
Garrard, KY ZIPs with the most tracked Garrard, KY residential listings: 40444 5 listings, 3 candidates, bank pressure 64; 40461 1 listings, 0 candidates, bank pressure 65. Garrard, KY totals: 6 listings; Garrard, KY candidates 3; active ZIPs 2.
Lenders with branches in Garrard, KY
Garrard, KY lenders by branch count: Whitaker Bank (Garrard, KY): stress 57, 2 branches low in Garrard, KY; First Fsb Of Kentucky (Garrard, KY): stress 74, 1 branch low in Garrard, KY; First Southern National Bank (Garrard, KY): stress 68, 1 branch low in Garrard, KY; Farmers Nb Of Danville (Garrard, KY): stress 64, 1 branch low in Garrard, KY.
Vacancy and permits, Garrard, KY
585 of 7,280 Garrard, KY housing units are vacant.
Work Garrard, KY at the parcel level
Every Garrard, KY parcel carries owner and address; every Garrard, KY parcel carries APN; Garrard, KY distress scores sit on the Garrard, KY live board.
Garrard, KY figures refresh with each source.
Garrard, KY questions
Most distressed ZIP code in Garrard County, KY?
ZIP 40403 leads Garrard, KY at 31/100; next in Garrard, KY: 40461 at 28/100; the Garrard, KY average is 25/100.
Where does Garrard County, KY rank for investment opportunity?
Garrard, KY is #674 among all ranked counties, #45 in Kentucky; the Garrard, KY driver is bank institutional; Garrard, KY moved up 339 places.
How many mortgages are delinquent in Garrard County, KY?
Garrard, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Garrard, KY.
Which banks lend in Garrard County, KY?
4 watched lenders hold Garrard, KY branches; the largest Garrard, KY footprints are Whitaker Bank (2), First Fsb Of Kentucky (1), First Southern National Bank (1).
More on Garrard, KY
Garrard County, KY distress report: public-record figures for Garrard, KY; not legal advice for Garrard, KY; not tax or investment advice; verify every Garrard, KY record before acting.