Hardin County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hardin County, KY distress report, 2026: 17 ZIPs scored in Hardin, KY, Hardin, KY average 27/100; the top Hardin, KY ZIP is 40150 at 33/100; Hardin, KY market phase contraction, Hardin, KY prices -1.1% year over year.
- Hardin, KY ranks #1,757 nationally (opportunity index); Hardin, KY #100 in Kentucky; Hardin, KY index 28.6.
- Hardin, KY: no CFPB county sample; Hardin, KY non-metro area reading 1.1%.
- Hardin, KY ZIP phases: 10 contraction, 6 peak, 1 expansion.
- Hardin, KY residential listings tracked: 66 across 10 ZIPs; Hardin, KY candidate listings 16.
- Hardin, KY HUD assisted properties: 14 with 766 units.
- Hardin, KY lenders on watch: 6; largest Hardin, KY footprint Cecilian Bank (9 branches).
- Hardin, KY most distressed ZIP: 40150 at 33/100.
Hardin, KY figures: DLRadar distress index; Hardin, KY inputs: CFPB, FHFA, HUD, FDIC; Hardin, KY rebuilt as sources refresh.
| Rank | Hardin, KY ZIP | Score |
|---|---|---|
| 1 | 40150 | 33/100 |
| 2 | 40177 | 33/100 |
| 3 | 40121 | 30/100 |
| 4 | 40160 | 30/100 |
| 5 | 40162 | 30/100 |
| 6 | 42701 | 30/100 |
| 7 | 42724 | 30/100 |
| 8 | 42732 | 30/100 |
| 9 | 42740 | 30/100 |
| 10 | 42788 | 30/100 |
| 11 | 42712 | 28/100 |
| 12 | 40175 | 26/100 |
Most distressed Hardin, KY ZIPs (0-100, 2026)
Mortgage delinquency around Hardin, KY
No CFPB county sample covers Hardin, KY; the non-metro area reading for Hardin, KY: 1.1% ninety-plus; Hardin, KY area thirty-to-eighty-nine 3.0% (December 2025, Hardin, KY); Kentucky overall 1.0%.
Opportunity index: Hardin, KY
Hardin, KY index 28.6, Hardin, KY phase early_signal; Hardin, KY primary driver bank institutional, Hardin, KY second driver construction. Hardin, KY components: property stress 24.4, foreclosure pressure 21.7, listing discounts 21.8, bank stress 56.4, insurance 0.0; Hardin, KY pulse 32.8; Hardin, KY capital opportunity 22.3; Hardin, KY seven-day change +1.1%.
ZIP market phases inside Hardin, KY
17 Hardin, KY ZIPs carry a price-cycle phase; Hardin, KY ZIPs by phase (Hardin, KY), deepest drawdown first: contraction, -1.1% YoY, 1.9% off peak (Hardin, KY): 40160, 40162, 42701, 42724, Hardin, KY 42732, 42740, 42748, 42788, Hardin, KY 42776; contraction, -0.3% YoY, 1.6% off peak (Hardin, KY): 40121; peak, +1.5% YoY, 1.2% off peak (Hardin, KY): 42784; peak, +2.0% YoY, 1.0% off peak (Hardin, KY): 42712; peak, +1.6% YoY, 0.8% off peak (Hardin, KY): 40177; peak, +2.4% YoY, 0.7% off peak (Hardin, KY): 40175; peak, +2.2% YoY, 0.6% off peak (Hardin, KY): 40051; peak, +3.6% YoY, 0.1% off peak (Hardin, KY): 40150.
Residential listings by Hardin, KY ZIP
Hardin, KY ZIPs with the most tracked Hardin, KY residential listings: 42701 61 listings, 15 candidates, bank pressure 57; 40160 4 listings, 0 candidates, bank pressure 57; 42712 1 listings, 1 candidates, bank pressure 56; 40121 0 listings, 0 candidates, bank pressure 57 (Hardin, KY); 40162 0 listings, 0 candidates, bank pressure 57; 42724 0 listings, 0 candidates, bank pressure 57; 42732 0 listings, 0 candidates, bank pressure 57; 42740 0 listings, 0 candidates, bank pressure 57. Hardin, KY totals: 66 listings; Hardin, KY candidates 16; active ZIPs 3.
HUD assisted housing in Hardin, KY
14 assisted properties with 766 units sit in Hardin, KY; largest Hardin, KY properties: Pine Crest (I And Ii) (Elizabethtown) 140 units, 127 assisted; Claysville Landing Apts Ii (Elizabethtown) 120 units; Tunnel Hill Apartments (Elizabethtown) 100 units in Hardin, KY; Claysville Landing (Elizabethtown) 88 units; Clays Pointe Duplexes (Elizabethtown) 62 units; Willow Creek Apartments (Radcliff) 49 units, 49 assisted.
Lenders with branches in Hardin, KY
Hardin, KY lenders by branch count: Cecilian Bank (Hardin, KY): stress 56, 9 branches low in Hardin, KY; West Point Bank (Hardin, KY): stress 78, 5 branches low in Hardin, KY; South Central Bank Inc (Hardin, KY): stress 66, 2 branches low in Hardin, KY; Wilson&Muir Bank&Trust Co (Hardin, KY): stress 50, 2 branches low in Hardin, KY; Magnolia Bank Inc (Hardin, KY): stress 72, 1 branch low in Hardin, KY; Community Trust Bank Inc (Hardin, KY): stress 47, 1 branch low in Hardin, KY.
Vacancy and permits, Hardin, KY
3,486 of 48,108 Hardin, KY housing units are vacant; Hardin, KY permits, twelve months: 31 multifamily units in Hardin, KY, 440 one-to-four unit units.
Work Hardin, KY at the parcel level
Every Hardin, KY parcel carries owner and address; every Hardin, KY parcel carries APN; Hardin, KY distress scores sit on the Hardin, KY live board.
Hardin, KY figures refresh with each source.
Hardin, KY questions
Most distressed ZIP code in Hardin County, KY?
ZIP 40150 leads Hardin, KY at 33/100; next in Hardin, KY: 40177 at 33/100; the Hardin, KY average is 27/100.
Where does Hardin County, KY rank for investment opportunity?
Hardin, KY is #1,757 among all ranked counties, #100 in Kentucky; the Hardin, KY driver is bank institutional; Hardin, KY moved down 16 places.
How many mortgages are delinquent in Hardin County, KY?
Hardin, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Hardin, KY.
Which banks lend in Hardin County, KY?
6 watched lenders hold Hardin, KY branches; the largest Hardin, KY footprints are Cecilian Bank (9), West Point Bank (5), South Central Bank Inc (2).
More on Hardin, KY
Hardin County, KY distress report: public-record figures for Hardin, KY; not legal advice for Hardin, KY; not tax or investment advice; verify every Hardin, KY record before acting.