Harlan County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harlan County, KY distress report, 2026: 27 ZIPs scored in Harlan, KY, Harlan, KY average 24/100; the top Harlan, KY ZIP is 40988 at 27/100; Harlan, KY market phase expansion, Harlan, KY prices +5.3% year over year.
- Harlan, KY ranks #1,513 nationally (opportunity index); Harlan, KY #92 in Kentucky; Harlan, KY index 29.4.
- Harlan, KY: no CFPB county sample; Harlan, KY non-metro area reading 1.1%.
- Harlan, KY ZIP phases: 26 expansion, 1 neutral.
- Harlan, KY residential listings tracked: 10 across 25 ZIPs; Harlan, KY candidate listings 6.
- Harlan, KY HUD assisted properties: 3 with 189 units.
- Harlan, KY lenders on watch: 3; largest Harlan, KY footprint Hearthside Bank Corp (2 branches).
- Harlan, KY most distressed ZIP: 40988 at 27/100.
Harlan, KY figures: DLRadar distress index; Harlan, KY inputs: CFPB, FHFA, HUD, FDIC; Harlan, KY rebuilt as sources refresh.
| Rank | Harlan, KY ZIP | Score |
|---|---|---|
| 1 | 40988 | 27/100 |
| 2 | 40801 | 24/100 |
| 3 | 40806 | 24/100 |
| 4 | 40807 | 24/100 |
| 5 | 40815 | 24/100 |
| 6 | 40818 | 24/100 |
| 7 | 40819 | 24/100 |
| 8 | 40820 | 24/100 |
| 9 | 40823 | 24/100 |
| 10 | 40824 | 24/100 |
| 11 | 40828 | 24/100 |
| 12 | 40829 | 24/100 |
Most distressed Harlan, KY ZIPs (0-100, 2026)
Mortgage delinquency around Harlan, KY
No CFPB county sample covers Harlan, KY; the non-metro area reading for Harlan, KY: 1.1% ninety-plus; Harlan, KY area thirty-to-eighty-nine 3.0% (December 2025, Harlan, KY); Kentucky overall 1.0%.
Opportunity index: Harlan, KY
Harlan, KY index 29.4, Harlan, KY phase early_signal; Harlan, KY primary driver vacancy, Harlan, KY second driver bank institutional. Harlan, KY components: property stress 30.3, foreclosure pressure 30.9, listing discounts 16.0, bank stress 51.0, insurance 0.0; Harlan, KY pulse 34.2; Harlan, KY capital opportunity 22.3; Harlan, KY seven-day change +1.0%.
ZIP market phases inside Harlan, KY
27 Harlan, KY ZIPs carry a price-cycle phase; Harlan, KY ZIPs by phase (Harlan, KY), deepest drawdown first: expansion, +5.3% YoY (Harlan, KY): 40801, 40806, 40807, 40808, Harlan, KY 40810, 40815, 40818, 40819, Harlan, KY 40820, 40823, 40824, 40828, Harlan, KY 40829, 40830, 40831, 40843.
Residential listings by Harlan, KY ZIP
Harlan, KY ZIPs with the most tracked Harlan, KY residential listings: 40831 3 listings, 0 candidates, bank pressure 67; 40828 2 listings, 2 candidates, bank pressure 67; 40873 2 listings, 2 candidates, bank pressure 67; 40823 1 listings, 1 candidates, bank pressure 63 (Harlan, KY); 40855 1 listings, 0 candidates, bank pressure 67; 40865 1 listings, 1 candidates, bank pressure 67; 40801 0 listings, 0 candidates, bank pressure 67; 40806 0 listings, 0 candidates, bank pressure 67. Harlan, KY totals: 10 listings; Harlan, KY candidates 6; active ZIPs 1.
HUD assisted housing in Harlan, KY
3 assisted properties with 189 units sit in Harlan, KY; largest Harlan, KY properties: Cumberland Manor - Cumberland (Cumberland) 107 units, 107 assisted; Holly Point Apartments (Harlan) 76 units, 76 assisted; Pride Terrace Single-Fam (Cumberland) 6 units, 6 assisted in Harlan, KY.
Lenders with branches in Harlan, KY
Harlan, KY lenders by branch count: Hearthside Bank Corp (Harlan, KY): stress 77, 2 branches moderate in Harlan, KY; Monticello Banking Co (Harlan, KY): stress 76, 2 branches moderate in Harlan, KY; First Nb Of Manchester (Harlan, KY): stress 71, 1 branch low in Harlan, KY.
Vacancy and permits, Harlan, KY
2,305 of 13,036 Harlan, KY housing units are vacant.
Work Harlan, KY at the parcel level
Every Harlan, KY parcel carries owner and address; every Harlan, KY parcel carries APN; Harlan, KY distress scores sit on the Harlan, KY live board.
Harlan, KY figures refresh with each source.
Harlan, KY questions
Most distressed ZIP code in Harlan County, KY?
ZIP 40988 leads Harlan, KY at 27/100; next in Harlan, KY: 40801 at 24/100; the Harlan, KY average is 24/100.
Where does Harlan County, KY rank for investment opportunity?
Harlan, KY is #1,513 among all ranked counties, #92 in Kentucky; the Harlan, KY driver is vacancy; Harlan, KY moved down 126 places.
How many mortgages are delinquent in Harlan County, KY?
Harlan, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Harlan, KY.
Which banks lend in Harlan County, KY?
3 watched lenders hold Harlan, KY branches; the largest Harlan, KY footprints are Hearthside Bank Corp (2), Monticello Banking Co (2), First Nb Of Manchester (1).
More on Harlan, KY
Harlan County, KY distress report: public-record figures for Harlan, KY; not legal advice for Harlan, KY; not tax or investment advice; verify every Harlan, KY record before acting.