Harlan County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harlan County, Kentucky? DLRadar grades every Harlan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Harlan County breakdown.
- Harlan County's most distressed ZIP is 40988 at 27/100.
- 27 ZIP codes tracked in Harlan County, averaging 23/100 distress.
- Harlan County reads expansion — home values up 5.3% year over year.
- Vacancy runs 22.6% across Harlan County's tracked ZIPs, with a 30.2% poverty rate.
- The typical Harlan County home is worth about $71,600 against a ~$38,728 median income.
- Lending headwind in Harlan County sits at 61/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40988 | 27/100 |
| 2 | 40801 | 23/100 |
| 3 | 40806 | 23/100 |
| 4 | 40807 | 23/100 |
| 5 | 40810 | 23/100 |
| 6 | 40815 | 23/100 |
| 7 | 40818 | 23/100 |
| 8 | 40819 | 23/100 |
| 9 | 40820 | 23/100 |
| 10 | 40823 | 23/100 |
| 11 | 40824 | 23/100 |
| 12 | 40828 | 23/100 |
Most distressed ZIP codes in Harlan County (composite distress 0-100, 2026)
What is driving Harlan County distress
Nothing here is estimated: Harlan County is scored from filings alone, and its ZIPs average 23/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Harlan County market phase and pricing
Phase for Harlan County: expansion (+5.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Harlan County
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Frequently asked questions
What is the most distressed ZIP code in Harlan County, KY?
ZIP 40988 leads Harlan County at 27/100, recomputed monthly from public records.
What market phase is Harlan County in?
Harlan County is classified expansion with a 5.3% year-over-year increase, following the FHFA House Price Index.
What is this Harlan County analysis built from?
Every Harlan County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 27 Harlan County ZIP codes that it runs on every other U.S. county, so Harlan County's numbers are directly comparable to any other market.
How much do distress scores vary between Harlan County ZIP codes?
A county average hides the spread. Across the Harlan County ZIPs DLRadar ranks, scores run from 27/100 in 40988 down to 23/100 in 40828, against a Harlan County average of 23/100. Those 4 points separate the ZIPs worth working in Harlan County from the rest.
What do Harlan County home values and vacancy say about distressed supply?
The typical Harlan County home carries about $71,600 of value against a median household income near $38,728. Vacancy across Harlan County's tracked ZIPs runs 22.6% and the poverty rate is 30.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Harlan County's foreclosure and tax-lien filings and its 61/100 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.