Graves County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Graves County, KY distress report, 2026: 18 ZIPs scored in Graves, KY, Graves, KY average 24/100; the top Graves, KY ZIP is 42003 at 36/100; Graves, KY market phase peak, Graves, KY prices +4.4% year over year.
- Graves, KY ranks #1,376 nationally (opportunity index); Graves, KY #78 in Kentucky; Graves, KY index 29.8.
- Graves, KY: no CFPB county sample; Graves, KY non-metro area reading 1.1%.
- Graves, KY ZIP phases: 8 expansion, 7 peak, 3 neutral.
- Graves, KY residential listings tracked: 19 across 11 ZIPs; Graves, KY candidate listings 8.
- Graves, KY HUD assisted properties: 9 with 323 units.
- Graves, KY lenders on watch: 5; largest Graves, KY footprint Fnb Bank Inc (3 branches).
- Graves, KY most distressed ZIP: 42003 at 36/100.
Graves, KY figures: DLRadar distress index; Graves, KY inputs: CFPB, FHFA, HUD, FDIC; Graves, KY rebuilt as sources refresh.
| Rank | Graves, KY ZIP | Score |
|---|---|---|
| 1 | 42003 | 36/100 |
| 2 | 42069 | 29/100 |
| 3 | 42082 | 27/100 |
| 4 | 42027 | 26/100 |
| 5 | 42040 | 25/100 |
| 6 | 42051 | 25/100 |
| 7 | 42061 | 25/100 |
| 8 | 42066 | 25/100 |
| 9 | 42079 | 25/100 |
| 10 | 42025 | 24/100 |
| 11 | 42049 | 24/100 |
| 12 | 42054 | 24/100 |
Most distressed Graves, KY ZIPs (0-100, 2026)
Mortgage delinquency around Graves, KY
No CFPB county sample covers Graves, KY; the non-metro area reading for Graves, KY: 1.1% ninety-plus; Graves, KY area thirty-to-eighty-nine 3.0% (December 2025, Graves, KY); Kentucky overall 1.0%.
Opportunity index: Graves, KY
Graves, KY index 29.8, Graves, KY phase early_signal; Graves, KY primary driver vacancy, Graves, KY second driver bank institutional. Graves, KY components: property stress 23.6, foreclosure pressure 23.7, listing discounts 32.2, bank stress 58.2, insurance 0.0; Graves, KY pulse 32.4; Graves, KY capital opportunity 26.0; Graves, KY seven-day change -0.5%.
ZIP market phases inside Graves, KY
18 Graves, KY ZIPs carry a price-cycle phase; Graves, KY ZIPs by phase (Graves, KY), deepest drawdown first: expansion, +11.2% YoY (Graves, KY): 42003; expansion, +5.3% YoY (Graves, KY): 42025; expansion, +5.4% YoY (Graves, KY): 42027; expansion, +9.8% YoY (Graves, KY): 42035; expansion, +7.0% YoY (Graves, KY): 42039; peak, +4.4% YoY (Graves, KY): 42040, 42049, 42051, 42061, Graves, KY 42066, 42071, 42079; expansion, +5.1% YoY (Graves, KY): 42041; neutral, +4.5% YoY (Graves, KY): 42054; expansion, +5.8% YoY (Graves, KY): 42069; expansion, +5.7% YoY (Graves, KY): 42082.
Residential listings by Graves, KY ZIP
Graves, KY ZIPs with the most tracked Graves, KY residential listings: 42088 7 listings, 3 candidates, bank pressure 70; 42066 6 listings, 3 candidates, bank pressure 68; 42027 2 listings, 0 candidates, bank pressure 67; 42082 2 listings, 2 candidates, bank pressure 67 (Graves, KY); 42079 1 listings, 0 candidates, bank pressure 71; 42085 1 listings, 0 candidates, bank pressure 70; 42039 0 listings, 0 candidates, bank pressure 68; 42040 0 listings, 0 candidates, bank pressure 68. Graves, KY totals: 19 listings; Graves, KY candidates 8; active ZIPs 3.
HUD assisted housing in Graves, KY
9 assisted properties with 323 units sit in Graves, KY; largest Graves, KY properties: Mayfield Plaza Apartments (Mayfield) 92 units, 91 assisted; Davis Apartments (Mayfield) 88 units, 88 assisted; Eloise Fuller Apartments (Mayfield) 46 units in Graves, KY; Westwood Of Symsonia (Symsonia) 41 units, 40 assisted; Fuller Apartments (Mayfield) 12 units, 12 assisted; Locust Ridge Apartments (Wingo) 12 units, 12 assisted.
Lenders with branches in Graves, KY
Graves, KY lenders by branch count: Fnb Bank Inc (Graves, KY): stress 74, 3 branches low in Graves, KY; First Kentucky Bank Inc (Graves, KY): stress 73, 3 branches low in Graves, KY; Community Finl Services Bk (Graves, KY): stress 76, 1 branch low in Graves, KY; Independence Bank Of Ky (Graves, KY): stress 74, 1 branch low in Graves, KY; First Cmty Bk Heartland Inc (Graves, KY): stress 74, 1 branch low in Graves, KY.
Vacancy and permits, Graves, KY
2,286 of 16,425 Graves, KY housing units are vacant; Graves, KY permits, twelve months: 0 multifamily units in Graves, KY, 42 one-to-four unit units.
Work Graves, KY at the parcel level
Every Graves, KY parcel carries owner and address; every Graves, KY parcel carries APN; Graves, KY distress scores sit on the Graves, KY live board.
Graves, KY figures refresh with each source.
Graves, KY questions
Most distressed ZIP code in Graves County, KY?
ZIP 42003 leads Graves, KY at 36/100; next in Graves, KY: 42069 at 29/100; the Graves, KY average is 24/100.
Where does Graves County, KY rank for investment opportunity?
Graves, KY is #1,376 among all ranked counties, #78 in Kentucky; the Graves, KY driver is vacancy; Graves, KY moved up 365 places.
How many mortgages are delinquent in Graves County, KY?
Graves, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Graves, KY.
Which banks lend in Graves County, KY?
5 watched lenders hold Graves, KY branches; the largest Graves, KY footprints are Fnb Bank Inc (3), First Kentucky Bank Inc (3), Community Finl Services Bk (1).
More on Graves, KY
Graves County, KY distress report: public-record figures for Graves, KY; not legal advice for Graves, KY; not tax or investment advice; verify every Graves, KY record before acting.