Henderson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Henderson County, Kentucky? DLRadar grades every Henderson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Henderson County breakdown.
- Henderson County's most distressed ZIP is 42301 at 34/100.
- 8 ZIP codes tracked in Henderson County, averaging 32/100 distress.
- Henderson County reads peak — home values up 4.4% year over year.
- Vacancy runs 10.5% across Henderson County's tracked ZIPs, with a 16.1% poverty rate.
- The typical Henderson County home is worth about $168,050 against a ~$59,925 median income.
- Lending headwind in Henderson County sits at 65/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42301 | 34/100 |
| 2 | 42406 | 34/100 |
| 3 | 42420 | 34/100 |
| 4 | 42451 | 34/100 |
| 5 | 42458 | 34/100 |
| 6 | 42452 | 33/100 |
| 7 | 42462 | 28/100 |
| 8 | 42461 | 25/100 |
Most distressed ZIP codes in Henderson County (composite distress 0-100, 2026)
What is driving Henderson County distress
DLRadar builds Henderson County's distress picture only from records anyone can pull; its ZIPs average 32/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Henderson County market phase and pricing
The cycle in Henderson County is peak, with values up 4.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which part of Henderson County, KY scores highest for distress?
ZIP 42301 leads Henderson County at 34/100, recomputed monthly from public records.
What market phase is Henderson County in?
Henderson County currently sits in peak, with values up 4.4% year on year, based on FHFA price-index trajectory.
How is the Henderson County data sourced?
Every Henderson County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 8 Henderson County ZIP codes that it runs on every other U.S. county, so Henderson County's numbers are directly comparable to any other market.
How much do distress scores vary between Henderson County ZIP codes?
A single county score papers over real variation. Across the Henderson County ZIPs DLRadar ranks, scores run from 34/100 in 42301 down to 25/100 in 42461, against a Henderson County average of 32/100. With 9 points between best and worst, county-level targeting in Henderson County wastes effort.
What do Henderson County home values and vacancy say about distressed supply?
The typical Henderson County home carries about $168,050 of value against a median household income near $59,925. Vacancy across Henderson County's tracked ZIPs runs 10.5% and the poverty rate is 16.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Henderson County's foreclosure and tax-lien filings and its 65/100 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.