Hart County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hart County, KY distress report, 2026: 10 ZIPs scored in Hart, KY, Hart, KY average 17/100; the top Hart, KY ZIP is 42127 at 25/100; Hart, KY market phase expansion, Hart, KY prices +5.3% year over year.
- Hart, KY ranks #1,623 nationally (opportunity index); Hart, KY #90 in Kentucky; Hart, KY index 29.0.
- Hart, KY: no CFPB county sample; Hart, KY non-metro area reading 1.1%.
- Hart, KY ZIP phases: 5 expansion, 3 neutral, 2 peak.
- Hart, KY residential listings tracked: 6 across 8 ZIPs; Hart, KY candidate listings 0.
- Hart, KY HUD assisted properties: 1 with 56 units.
- Hart, KY lenders on watch: 3; largest Hart, KY footprint Bank Of Buffalo (1 branch).
- Hart, KY most distressed ZIP: 42127 at 25/100.
Hart, KY figures: DLRadar distress index; Hart, KY inputs: CFPB, FHFA, HUD, FDIC; Hart, KY rebuilt as sources refresh.
| Rank | Hart, KY ZIP | Score |
|---|---|---|
| 1 | 42127 | 25/100 |
| 2 | 42784 | 21/100 |
| 3 | 42782 | 16/100 |
| 4 | 42713 | 15/100 |
| 5 | 42722 | 15/100 |
| 6 | 42746 | 15/100 |
| 7 | 42749 | 15/100 |
| 8 | 42765 | 15/100 |
| 9 | 42729 | 14/100 |
| 10 | 42757 | 14/100 |
Most distressed Hart, KY ZIPs (0-100, 2026)
Mortgage delinquency around Hart, KY
No CFPB county sample covers Hart, KY; the non-metro area reading for Hart, KY: 1.1% ninety-plus; Hart, KY area thirty-to-eighty-nine 3.0% (December 2025, Hart, KY); Kentucky overall 1.0%.
Opportunity index: Hart, KY
Hart, KY index 29.0, Hart, KY phase early_signal; Hart, KY primary driver vacancy, Hart, KY second driver bank institutional. Hart, KY components: property stress 31.8, foreclosure pressure 33.9, listing discounts 14.3, bank stress 41.2, insurance 0.0; Hart, KY pulse 32.4; Hart, KY capital opportunity 23.8; Hart, KY seven-day change -0.5%.
ZIP market phases inside Hart, KY
10 Hart, KY ZIPs carry a price-cycle phase; Hart, KY ZIPs by phase (Hart, KY), deepest drawdown first: peak, +1.5% YoY, 1.2% off peak (Hart, KY): 42784; peak, +3.4% YoY, 0.6% off peak (Hart, KY): 42757; neutral, +4.4% YoY, 0.1% off peak (Hart, KY): 42729; neutral, +4.5% YoY (Hart, KY): 42127, 42782; expansion, +5.3% YoY (Hart, KY): 42713, 42722, 42765; expansion, +5.1% YoY (Hart, KY): 42746, 42749.
Residential listings by Hart, KY ZIP
Hart, KY ZIPs with the most tracked Hart, KY residential listings: 42713 4 listings, 0 candidates, bank pressure 43; 42749 2 listings, 0 candidates, bank pressure 53; 42722 0 listings, 0 candidates, bank pressure 43; 42729 0 listings, 0 candidates, bank pressure 47 (Hart, KY); 42746 0 listings, 0 candidates, bank pressure 49; 42757 0 listings, 0 candidates, bank pressure 52; 42765 0 listings, 0 candidates, bank pressure 43; 42784 0 listings, 0 candidates, bank pressure 54. Hart, KY totals: 6 listings; Hart, KY candidates 0; active ZIPs 2.
HUD assisted housing in Hart, KY
1 assisted properties with 56 units sit in Hart, KY; largest Hart, KY properties: Greenwood Apartments (Horse Cave) 56 units, 56 assisted.
Lenders with branches in Hart, KY
Hart, KY lenders by branch count: Bank Of Buffalo (Hart, KY): stress 62, 1 branch low in Hart, KY; Cecilian Bank (Hart, KY): stress 56, 1 branch low in Hart, KY; Hart County Bank&Trust Co (Hart, KY): stress 1, 1 branch low in Hart, KY.
Vacancy and permits, Hart, KY
1,553 of 8,929 Hart, KY housing units are vacant; Hart, KY permits, twelve months: 38 multifamily units in Hart, KY, 133 one-to-four unit units.
Work Hart, KY at the parcel level
Every Hart, KY parcel carries owner and address; every Hart, KY parcel carries APN; Hart, KY distress scores sit on the Hart, KY live board.
Hart, KY figures refresh with each source.
Hart, KY questions
Most distressed ZIP code in Hart County, KY?
ZIP 42127 leads Hart, KY at 25/100; next in Hart, KY: 42784 at 21/100; the Hart, KY average is 17/100.
Where does Hart County, KY rank for investment opportunity?
Hart, KY is #1,623 among all ranked counties, #90 in Kentucky; the Hart, KY driver is vacancy; Hart, KY moved up 118 places.
How many mortgages are delinquent in Hart County, KY?
Hart, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Hart, KY.
Which banks lend in Hart County, KY?
3 watched lenders hold Hart, KY branches; the largest Hart, KY footprints are Bank Of Buffalo (1), Cecilian Bank (1), Hart County Bank&Trust Co (1).
More on Hart, KY
Hart County, KY distress report: public-record figures for Hart, KY; not legal advice for Hart, KY; not tax or investment advice; verify every Hart, KY record before acting.