Hardin County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hardin County, Kentucky? DLRadar grades every Hardin County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Hardin County breakdown.
- Hardin County's most distressed ZIP is 40160 at 35/100.
- 17 ZIP codes tracked in Hardin County, averaging 31/100 distress.
- Hardin County reads contraction — home values down 1.1% year over year, 1.9% off peak.
- Vacancy runs 11.3% across Hardin County's tracked ZIPs, with a 15.2% poverty rate.
- The typical Hardin County home is worth about $200,680 against a ~$68,356 median income.
- Lending headwind in Hardin County sits at 48/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40160 | 35/100 |
| 2 | 40162 | 35/100 |
| 3 | 42701 | 35/100 |
| 4 | 42724 | 35/100 |
| 5 | 42732 | 35/100 |
| 6 | 42740 | 35/100 |
| 7 | 42788 | 35/100 |
| 8 | 40121 | 34/100 |
| 9 | 40177 | 34/100 |
| 10 | 40150 | 33/100 |
| 11 | 42712 | 32/100 |
| 12 | 42776 | 31/100 |
Most distressed ZIP codes in Hardin County (composite distress 0-100, 2026)
What is driving Hardin County distress
The Hardin County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 31/100 ZIP average. No proprietary or modelled inputs enter the score.
Hardin County market phase and pricing
Phase for Hardin County: contraction (-1.1% YoY, 1.9% off peak). As pricing power fades, listings sit longer and sellers become reachable.
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Questions and answers
What is the most distressed ZIP code in Hardin County, KY?
ZIP 40160 leads Hardin County at 35/100, recomputed monthly from public records.
Which phase does Hardin County sit in right now?
Hardin County currently sits in contraction, with values down 1.1% year on year, based on FHFA price-index trajectory.
Can the Hardin County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 17 Hardin County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Hardin County ZIP codes?
One county number flattens a wide range. Across the Hardin County ZIPs DLRadar ranks, scores run from 35/100 in 40160 down to 31/100 in 42776, against a Hardin County average of 31/100. A spread of 4 points means Hardin County has to be worked ZIP by ZIP.
What do Hardin County home values and vacancy say about distressed supply?
The typical Hardin County home carries about $200,680 of value against a median household income near $68,356. Vacancy across Hardin County's tracked ZIPs runs 11.3% and the poverty rate is 15.2%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Hardin County's foreclosure and tax-lien record and its 48/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.