Hopkins County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Hopkins County, KY distress report, 2026: 13 ZIPs scored in Hopkins, KY, Hopkins, KY average 24/100; the top Hopkins, KY ZIP is 42445 at 26/100; Hopkins, KY market phase peak, Hopkins, KY prices +4.4% year over year.
- Hopkins, KY ranks #971 nationally (opportunity index); Hopkins, KY #63 in Kentucky; Hopkins, KY index 31.3.
- Hopkins, KY: no CFPB county sample; Hopkins, KY non-metro area reading 1.1%.
- Hopkins, KY ZIP phases: 11 peak, 1 expansion, 1 neutral.
- Hopkins, KY residential listings tracked: 13 across 10 ZIPs; Hopkins, KY candidate listings 3.
- Hopkins, KY HUD assisted properties: 1 with 129 units.
- Hopkins, KY lenders on watch: 4; largest Hopkins, KY footprint First United Bank&Trust Co (3 branches).
- Hopkins, KY most distressed ZIP: 42445 at 26/100.
Hopkins, KY figures: DLRadar distress index; Hopkins, KY inputs: CFPB, FHFA, HUD, FDIC; Hopkins, KY rebuilt as sources refresh.
| Rank | Hopkins, KY ZIP | Score |
|---|---|---|
| 1 | 42445 | 26/100 |
| 2 | 42408 | 25/100 |
| 3 | 42410 | 25/100 |
| 4 | 42413 | 25/100 |
| 5 | 42431 | 25/100 |
| 6 | 42436 | 25/100 |
| 7 | 42440 | 25/100 |
| 8 | 42441 | 25/100 |
| 9 | 42442 | 25/100 |
| 10 | 42453 | 25/100 |
| 11 | 42464 | 25/100 |
| 12 | 42450 | 21/100 |
Most distressed Hopkins, KY ZIPs (0-100, 2026)
Mortgage delinquency around Hopkins, KY
No CFPB county sample covers Hopkins, KY; the non-metro area reading for Hopkins, KY: 1.1% ninety-plus; Hopkins, KY area thirty-to-eighty-nine 3.0% (December 2025, Hopkins, KY); Kentucky overall 1.0%.
Opportunity index: Hopkins, KY
Hopkins, KY index 31.3, Hopkins, KY phase watchlist; Hopkins, KY primary driver vacancy, Hopkins, KY second driver bank institutional. Hopkins, KY components: property stress 25.5, foreclosure pressure 26.8, listing discounts 35.6, bank stress 55.5, insurance 0.0; Hopkins, KY pulse 33.3; Hopkins, KY capital opportunity 28.2; Hopkins, KY seven-day change +0.3%.
ZIP market phases inside Hopkins, KY
13 Hopkins, KY ZIPs carry a price-cycle phase; Hopkins, KY ZIPs by phase (Hopkins, KY), deepest drawdown first: peak, +4.1% YoY, 0.4% off peak (Hopkins, KY): 42464; peak, +4.3% YoY, 0.4% off peak (Hopkins, KY): 42408; peak, +4.2% YoY, 0.2% off peak (Hopkins, KY): 42453; peak, +4.4% YoY, 0.0% off peak (Hopkins, KY): 42442; expansion, +5.3% YoY, 0.0% off peak (Hopkins, KY): 42445; peak, +4.4% YoY (Hopkins, KY): 42410, 42413, 42431, 42436, Hopkins, KY 42440, 42441, 42456; neutral, +4.6% YoY (Hopkins, KY): 42450.
Residential listings by Hopkins, KY ZIP
Hopkins, KY ZIPs with the most tracked Hopkins, KY residential listings: 42431 9 listings, 3 candidates, bank pressure 62; 42408 3 listings, 0 candidates, bank pressure 64; 42441 1 listings, 0 candidates, bank pressure 65; 42410 0 listings, 0 candidates, bank pressure 62 (Hopkins, KY); 42413 0 listings, 0 candidates, bank pressure 62; 42436 0 listings, 0 candidates, bank pressure 62; 42440 0 listings, 0 candidates, bank pressure 62; 42442 0 listings, 0 candidates, bank pressure 64. Hopkins, KY totals: 13 listings; Hopkins, KY candidates 3; active ZIPs 2.
HUD assisted housing in Hopkins, KY
1 assisted properties with 129 units sit in Hopkins, KY; largest Hopkins, KY properties: Cross Creek Apartments (Madisonville) 129 units, 128 assisted.
Lenders with branches in Hopkins, KY
Hopkins, KY lenders by branch count: First United Bank&Trust Co (Hopkins, KY): stress 72, 3 branches low in Hopkins, KY; Independence Bank Of Ky (Hopkins, KY): stress 74, 2 branches low in Hopkins, KY; Planters Bank Inc (Hopkins, KY): stress 59, 1 branch low in Hopkins, KY; Farmers Bank&Trust Co (Hopkins, KY): stress 57, 1 branch low in Hopkins, KY.
Vacancy and permits, Hopkins, KY
2,604 of 21,001 Hopkins, KY housing units are vacant; Hopkins, KY permits, twelve months: 43 multifamily units in Hopkins, KY, 151 one-to-four unit units.
Work Hopkins, KY at the parcel level
Every Hopkins, KY parcel carries owner and address; every Hopkins, KY parcel carries APN; Hopkins, KY distress scores sit on the Hopkins, KY live board.
Hopkins, KY figures refresh with each source.
Hopkins, KY questions
Most distressed ZIP code in Hopkins County, KY?
ZIP 42445 leads Hopkins, KY at 26/100; next in Hopkins, KY: 42408 at 25/100; the Hopkins, KY average is 24/100.
Where does Hopkins County, KY rank for investment opportunity?
Hopkins, KY is #971 among all ranked counties, #63 in Kentucky; the Hopkins, KY driver is vacancy; Hopkins, KY moved up 556 places.
How many mortgages are delinquent in Hopkins County, KY?
Hopkins, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Hopkins, KY.
Which banks lend in Hopkins County, KY?
4 watched lenders hold Hopkins, KY branches; the largest Hopkins, KY footprints are First United Bank&Trust Co (3), Independence Bank Of Ky (2), Planters Bank Inc (1).
More on Hopkins, KY
Hopkins County, KY distress report: public-record figures for Hopkins, KY; not legal advice for Hopkins, KY; not tax or investment advice; verify every Hopkins, KY record before acting.