Hart County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hart County, Kentucky? DLRadar grades every Hart County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Hart County breakdown.
- Hart County's most distressed ZIP is 42784 at 27/100.
- 10 ZIP codes tracked in Hart County, averaging 17/100 distress.
- Hart County reads expansion — home values up 5.3% year over year.
- Vacancy runs 19.8% across Hart County's tracked ZIPs, with a 20.9% poverty rate.
- The typical Hart County home is worth about $138,210 against a ~$49,814 median income.
- Lending headwind in Hart County sits at 12/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42784 | 27/100 |
| 2 | 42127 | 24/100 |
| 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 ZIP codes in Hart County (composite distress 0-100, 2026)
What is driving Hart County distress
Hart County's placement in the national index rests on public filings — a 17/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Hart County market phase and pricing
The cycle in Hart County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions about this county
Where is distress highest inside Hart County, KY?
ZIP 42784 leads Hart County at 27/100, recomputed monthly from public records.
What stage of the price cycle is Hart County at?
Hart County currently sits in expansion, with values up 5.3% year on year, based on FHFA price-index trajectory.
Which datasets feed the Hart County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 10 Hart County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Hart County ZIP codes?
A county average hides the spread. Across the Hart County ZIPs DLRadar ranks, scores run from 27/100 in 42784 down to 14/100 in 42757, against a Hart County average of 17/100. That 13-point gap is why acquisition targeting in Hart County works at ZIP level rather than county level.
What do Hart County home values and vacancy say about distressed supply?
The typical Hart County home carries about $138,210 of value against a median household income near $49,814. Vacancy across Hart County's tracked ZIPs runs 19.8% and the poverty rate is 20.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Hart County's filings and its 12/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.