Grayson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Grayson County, Kentucky? DLRadar grades every Grayson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Grayson County breakdown.
- Grayson County's most distressed ZIP is 42712 at 32/100.
- 9 ZIP codes tracked in Grayson County, averaging 26/100 distress.
- Grayson County reads expansion — home values up 5.3% year over year.
- Vacancy runs 22.7% across Grayson County's tracked ZIPs, with a 22% poverty rate.
- The typical Grayson County home is worth about $136,311 against a ~$51,932 median income.
- Lending headwind in Grayson County sits at 32/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42712 | 32/100 |
| 2 | 42349 | 29/100 |
| 3 | 42361 | 28/100 |
| 4 | 42721 | 25/100 |
| 5 | 42726 | 25/100 |
| 6 | 42762 | 25/100 |
| 7 | 40119 | 24/100 |
| 8 | 42754 | 24/100 |
| 9 | 42207 | 18/100 |
Most distressed ZIP codes in Grayson County (composite distress 0-100, 2026)
What is driving Grayson County distress
Nothing here is estimated: Grayson County is scored from filings alone, and its ZIPs average 26/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Grayson County market phase and pricing
The cycle in Grayson County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
What is the most distressed ZIP code in Grayson County, KY?
ZIP 42712 leads Grayson County at 32/100, recomputed monthly from public records.
Which phase does Grayson County sit in right now?
Phase for Grayson County: expansion, tracking a 5.3% gain year over year, read off the FHFA index.
What is this Grayson County analysis built from?
Each Grayson County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 9 local ZIPs and every other county in the country.
How much do distress scores vary between Grayson County ZIP codes?
A county average hides the spread. Across the Grayson County ZIPs DLRadar ranks, scores run from 32/100 in 42712 down to 18/100 in 42207, against a Grayson County average of 26/100. Those 14 points separate the ZIPs worth working in Grayson County from the rest.
What do Grayson County home values and vacancy say about distressed supply?
The typical Grayson County home carries about $136,311 of value against a median household income near $51,932. Vacancy across Grayson County's tracked ZIPs runs 22.7% and the poverty rate is 22%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Grayson County's foreclosure and lien data and its 32/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.