Hopkins County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hopkins County, Kentucky? DLRadar grades every Hopkins County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Hopkins County breakdown.
- Hopkins County's most distressed ZIP is 42445 at 27/100.
- 13 ZIP codes tracked in Hopkins County, averaging 25/100 distress.
- Hopkins County reads peak — home values up 4.4% year over year.
- Vacancy runs 12.7% across Hopkins County's tracked ZIPs, with a 18% poverty rate.
- The typical Hopkins County home is worth about $121,885 against a ~$57,204 median income.
- Lending headwind in Hopkins County sits at 63/100 — 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 | 42445 | 27/100 |
| 2 | 42410 | 26/100 |
| 3 | 42413 | 26/100 |
| 4 | 42431 | 26/100 |
| 5 | 42436 | 26/100 |
| 6 | 42440 | 26/100 |
| 7 | 42442 | 26/100 |
| 8 | 42453 | 26/100 |
| 9 | 42464 | 26/100 |
| 10 | 42408 | 25/100 |
| 11 | 42441 | 25/100 |
| 12 | 42456 | 22/100 |
Most distressed ZIP codes in Hopkins County (composite distress 0-100, 2026)
What is driving Hopkins County distress
Nothing here is estimated: Hopkins County is scored from filings alone, and its ZIPs average 25/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Hopkins County market phase and pricing
Phase for Hopkins County: peak (+4.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Hopkins County
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Questions about this county
Which part of Hopkins County, KY scores highest for distress?
ZIP 42445 leads Hopkins County at 27/100, recomputed monthly from public records.
How would you describe the Hopkins County market phase?
FHFA price-index movement places Hopkins County in peak; prices are up 4.4% over twelve months.
What are the sources behind these Hopkins County numbers?
Every Hopkins 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 13 Hopkins County ZIP codes that it runs on every other U.S. county, so Hopkins County's numbers are directly comparable to any other market.
How much do distress scores vary between Hopkins County ZIP codes?
A county average hides the spread. Across the Hopkins County ZIPs DLRadar ranks, scores run from 27/100 in 42445 down to 22/100 in 42456, against a Hopkins County average of 25/100. With 5 points between best and worst, county-level targeting in Hopkins County wastes effort.
What do Hopkins County home values and vacancy say about distressed supply?
The typical Hopkins County home carries about $121,885 of value against a median household income near $57,204. Vacancy across Hopkins County's tracked ZIPs runs 12.7% and the poverty rate is 18%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Hopkins County's foreclosure and tax-lien filings and its 63/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.