Graves County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Graves County, Kentucky? DLRadar grades every Graves County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 37/100. Here is the 2026 Graves County breakdown.
- Graves County's most distressed ZIP is 42003 at 37/100.
- 18 ZIP codes tracked in Graves County, averaging 24/100 distress.
- Graves County reads peak — home values up 4.4% year over year.
- Vacancy runs 14.2% across Graves County's tracked ZIPs, with a 20% poverty rate.
- The typical Graves County home is worth about $159,131 against a ~$54,248 median income.
- Lending headwind in Graves County sits at 84/100 — 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 | 42003 | 37/100 |
| 2 | 42069 | 30/100 |
| 3 | 42027 | 28/100 |
| 4 | 42082 | 28/100 |
| 5 | 42025 | 25/100 |
| 6 | 42040 | 25/100 |
| 7 | 42051 | 25/100 |
| 8 | 42061 | 25/100 |
| 9 | 42066 | 25/100 |
| 10 | 42079 | 25/100 |
| 11 | 42049 | 24/100 |
| 12 | 42054 | 24/100 |
Most distressed ZIP codes in Graves County (composite distress 0-100, 2026)
What is driving Graves County distress
The Graves County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 24/100 ZIP average. No proprietary or modelled inputs enter the score.
Graves County market phase and pricing
DLRadar places Graves County in peak; prices moved up 4.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Graves County
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Questions about this county
Which part of Graves County, KY scores highest for distress?
ZIP 42003 leads Graves County at 37/100, recomputed monthly from public records.
What stage of the price cycle is Graves County at?
Graves County reads peak, with home prices up 4.4% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Graves County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 18 ZIP codes in Graves County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Graves County ZIP codes?
One county number flattens a wide range. Across the Graves County ZIPs DLRadar ranks, scores run from 37/100 in 42003 down to 24/100 in 42054, against a Graves County average of 24/100. A spread of 13 points means Graves County has to be worked ZIP by ZIP.
What do Graves County home values and vacancy say about distressed supply?
The typical Graves County home carries about $159,131 of value against a median household income near $54,248. Vacancy across Graves County's tracked ZIPs runs 14.2% and the poverty rate is 20%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Graves County's foreclosure and tax-lien filings and its 84/100 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.