Grayson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Grayson County, KY distress report, 2026: 9 ZIPs scored in Grayson, KY, Grayson, KY average 22/100; the top Grayson, KY ZIP is 42349 at 29/100; Grayson, KY market phase expansion, Grayson, KY prices +5.3% year over year.
- Grayson, KY ranks #293 nationally (opportunity index); Grayson, KY #28 in Kentucky; Grayson, KY index 34.8.
- Grayson, KY: no CFPB county sample; Grayson, KY non-metro area reading 1.1%.
- Grayson, KY ZIP phases: 6 expansion, 2 peak, 1 neutral.
- Grayson, KY residential listings tracked: 3 across 4 ZIPs; Grayson, KY candidate listings 1.
- Grayson, KY lenders on watch: 4; largest Grayson, KY footprint Cecilian Bank (3 branches).
- Grayson, KY most distressed ZIP: 42349 at 29/100.
Grayson, KY figures: DLRadar distress index; Grayson, KY inputs: CFPB, FHFA, HUD, FDIC; Grayson, KY rebuilt as sources refresh.
| Rank | Grayson, KY ZIP | Score |
|---|---|---|
| 1 | 42349 | 29/100 |
| 2 | 42712 | 28/100 |
| 3 | 42361 | 26/100 |
| 4 | 42726 | 21/100 |
| 5 | 42762 | 21/100 |
| 6 | 42721 | 20/100 |
| 7 | 42754 | 20/100 |
| 8 | 40119 | 19/100 |
| 9 | 42207 | 13/100 |
Most distressed Grayson, KY ZIPs (0-100, 2026)
Mortgage delinquency around Grayson, KY
No CFPB county sample covers Grayson, KY; the non-metro area reading for Grayson, KY: 1.1% ninety-plus; Grayson, KY area thirty-to-eighty-nine 3.0% (December 2025, Grayson, KY); Kentucky overall 1.0%.
Opportunity index: Grayson, KY
Grayson, KY index 34.8, Grayson, KY phase peak_opportunity; Grayson, KY primary driver vacancy, Grayson, KY second driver bank institutional. Grayson, KY components: property stress 31.7, foreclosure pressure 32.6, listing discounts 36.3, bank stress 58.3, insurance 0.0; Grayson, KY pulse 38.5; Grayson, KY capital opportunity 29.2; Grayson, KY seven-day change +1.1%.
ZIP market phases inside Grayson, KY
9 Grayson, KY ZIPs carry a price-cycle phase; Grayson, KY ZIPs by phase (Grayson, KY), deepest drawdown first: peak, +2.0% YoY, 1.0% off peak (Grayson, KY): 42712; peak, +2.2% YoY, 0.5% off peak (Grayson, KY): 42207; neutral, +5.0% YoY, 0.1% off peak (Grayson, KY): 42721; expansion, +5.3% YoY, 0.0% off peak (Grayson, KY): 42754; expansion, +5.3% YoY (Grayson, KY): 40119, 42349, 42361, 42726, Grayson, KY 42762.
Residential listings by Grayson, KY ZIP
Grayson, KY ZIPs with the most tracked Grayson, KY residential listings: 42726 2 listings, 1 candidates, bank pressure 55; 42754 1 listings, 0 candidates, bank pressure 56; 42721 0 listings, 0 candidates, bank pressure 59; 42762 0 listings, 0 candidates, bank pressure 55 (Grayson, KY). Grayson, KY totals: 3 listings; Grayson, KY candidates 1; active ZIPs 1.
Lenders with branches in Grayson, KY
Grayson, KY lenders by branch count: Cecilian Bank (Grayson, KY): stress 56, 3 branches low in Grayson, KY; Wilson&Muir Bank&Trust Co (Grayson, KY): stress 50, 3 branches low in Grayson, KY; Bank Of Clarkson (Grayson, KY): stress 61, 2 branches low in Grayson, KY; Sacramento Deposit Bank (Grayson, KY): stress 54, 1 branch low in Grayson, KY.
Vacancy and permits, Grayson, KY
3,240 of 13,369 Grayson, KY housing units are vacant; Grayson, KY permits, twelve months: 16 multifamily units in Grayson, KY, 12 one-to-four unit units.
Work Grayson, KY at the parcel level
Every Grayson, KY parcel carries owner and address; every Grayson, KY parcel carries APN; Grayson, KY distress scores sit on the Grayson, KY live board.
Grayson, KY figures refresh with each source.
Grayson, KY questions
Most distressed ZIP code in Grayson County, KY?
ZIP 42349 leads Grayson, KY at 29/100; next in Grayson, KY: 42712 at 28/100; the Grayson, KY average is 22/100.
Where does Grayson County, KY rank for investment opportunity?
Grayson, KY is #293 among all ranked counties, #28 in Kentucky; the Grayson, KY driver is vacancy; Grayson, KY moved up 224 places.
How many mortgages are delinquent in Grayson County, KY?
Grayson, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Grayson, KY.
Which banks lend in Grayson County, KY?
4 watched lenders hold Grayson, KY branches; the largest Grayson, KY footprints are Cecilian Bank (3), Wilson&Muir Bank&Trust Co (3), Bank Of Clarkson (2).
More on Grayson, KY
Grayson County, KY distress report: public-record figures for Grayson, KY; not legal advice for Grayson, KY; not tax or investment advice; verify every Grayson, KY record before acting.