Jefferson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Jefferson County, KY distress report, 2026: 43 ZIPs scored in Jefferson, KY, Jefferson, KY average 38/100; the top Jefferson, KY ZIP is 40025 at 39/100; Jefferson, KY market phase peak, Jefferson, KY prices +3.8% year over year.
- Jefferson, KY ranks #1,378 nationally (opportunity index); Jefferson, KY #78 in Kentucky; Jefferson, KY index 29.8.
- Jefferson, KY ninety-day mortgage delinquency 1.0% in December 2025; Jefferson, KY twelve-month change +0.2%.
- Jefferson, KY ZIP phases: 43 peak.
- Jefferson, KY residential listings tracked: 53 across 38 ZIPs; Jefferson, KY candidate listings 9.
- Jefferson, KY HUD assisted properties: 106 with 7,100 units.
- Jefferson, KY lenders on watch: 8; largest Jefferson, KY footprint Stock Yards Bank&Trust Co (28 branches).
- Jefferson, KY most distressed ZIP: 40025 at 39/100.
Jefferson, KY figures: DLRadar distress index; Jefferson, KY inputs: CFPB, FHFA, HUD, FDIC; Jefferson, KY rebuilt as sources refresh.
| Rank | Jefferson, KY ZIP | Score |
|---|---|---|
| 1 | 40025 | 39/100 |
| 2 | 40041 | 39/100 |
| 3 | 40118 | 39/100 |
| 4 | 40202 | 39/100 |
| 5 | 40203 | 39/100 |
| 6 | 40204 | 39/100 |
| 7 | 40205 | 39/100 |
| 8 | 40206 | 39/100 |
| 9 | 40207 | 39/100 |
| 10 | 40208 | 39/100 |
| 11 | 40209 | 39/100 |
| 12 | 40210 | 39/100 |
Most distressed Jefferson, KY ZIPs (0-100, 2026)
Mortgage delinquency in Jefferson, KY
1.0% of Jefferson, KY mortgages were ninety-plus days late (Jefferson, KY, December 2025); Jefferson, KY thirty-to-eighty-nine days late: 1.7%; Jefferson, KY twelve-month change +0.2%; Jefferson, KY peak since 2008: 3.6% (February 2010); Kentucky overall 1.0%. Jefferson, KY ninety-day series: Dec 24 0.8, Jan 25 0.9, Feb 25 0.8 (Jefferson, KY), Mar 25 0.7, Apr 25 0.6, May 25 0.7 (Jefferson, KY), Jun 25 0.7, Jul 25 0.6, Aug 25 0.8 (Jefferson, KY), Sep 25 0.8, Oct 25 0.8, Nov 25 0.9 (Jefferson, KY), Dec 25 1.0.
Opportunity index: Jefferson, KY
Jefferson, KY index 29.8, Jefferson, KY phase early_signal; Jefferson, KY primary driver construction, Jefferson, KY second driver bank institutional. Jefferson, KY components: property stress 23.8, foreclosure pressure 23.0, listing discounts 25.1, bank stress 55.3, insurance 0.0; Jefferson, KY pulse 34.8; Jefferson, KY capital opportunity 23.8; Jefferson, KY seven-day change +1.0%.
ZIP market phases inside Jefferson, KY
43 Jefferson, KY ZIPs carry a price-cycle phase; Jefferson, KY ZIPs by phase (Jefferson, KY), deepest drawdown first: peak, +1.6% YoY, 0.8% off peak (Jefferson, KY): 40177; peak, +3.8% YoY (Jefferson, KY): 40014, 40023, 40025, 40041, Jefferson, KY 40047, 40059, 40109, 40118, Jefferson, KY 40202, 40203, 40204, 40205, Jefferson, KY 40206, 40207, 40208.
Residential listings by Jefferson, KY ZIP
Jefferson, KY ZIPs with the most tracked Jefferson, KY residential listings: 40207 4 listings, 1 candidates, bank pressure 60; 40216 4 listings, 0 candidates, bank pressure 60; 40245 4 listings, 0 candidates, bank pressure 59; 40299 4 listings, 1 candidates, bank pressure 58 (Jefferson, KY); 40210 3 listings, 0 candidates, bank pressure 60; 40211 3 listings, 0 candidates, bank pressure 60; 40229 3 listings, 0 candidates, bank pressure 58; 40272 3 listings, 0 candidates, bank pressure 58. Jefferson, KY totals: 53 listings; Jefferson, KY candidates 9; active ZIPs 26.
HUD assisted housing in Jefferson, KY
106 assisted properties with 7,100 units sit in Jefferson, KY; largest Jefferson, KY properties: City View Park (Louisville) 503 units, 468 assisted; Jefferson Green (Louisville) 312 units; J O Blanton House (Louisville) 258 units, 206 assisted in Jefferson, KY; Claiborne Crossing (Louisville) 242 units; Frontgate Apartments (Louisville) 212 units; Falcon Crest Apartments (Louisville) 208 units.
Lenders with branches in Jefferson, KY
Jefferson, KY lenders by branch count: Stock Yards Bank&Trust Co (Jefferson, KY): stress 51, 28 branches low in Jefferson, KY; Republic Bank&Trust Co (Jefferson, KY): stress 29, 17 branches low in Jefferson, KY; River City Bank Inc (Jefferson, KY): stress 70, 6 branches low in Jefferson, KY; Central Bank&Trust Co (Jefferson, KY): stress 56, 4 branches low in Jefferson, KY; Eclipse Bank Inc (Jefferson, KY): stress 82, 3 branches low in Jefferson, KY; Forcht Bank National Assn (Jefferson, KY): stress 80, 2 branches low in Jefferson, KY; Peoples Bank (Jefferson, KY): stress 77, 1 branch low in Jefferson, KY; Monticello Banking Co (Jefferson, KY): stress 76, 1 branch low in Jefferson, KY.
Vacancy and permits, Jefferson, KY
28,156 of 359,710 Jefferson, KY housing units are vacant; Jefferson, KY permits, twelve months: 1,160 multifamily units in Jefferson, KY, 1,178 one-to-four unit units.
Work Jefferson, KY at the parcel level
Every Jefferson, KY parcel carries owner and address; every Jefferson, KY parcel carries APN; Jefferson, KY distress scores sit on the Jefferson, KY live board.
Jefferson, KY figures refresh with each source.
Jefferson, KY questions
Most distressed ZIP code in Jefferson County, KY?
ZIP 40025 leads Jefferson, KY at 39/100; next in Jefferson, KY: 40041 at 39/100; the Jefferson, KY average is 38/100.
Where does Jefferson County, KY rank for investment opportunity?
Jefferson, KY is #1,378 among all ranked counties, #78 in Kentucky; the Jefferson, KY driver is construction; Jefferson, KY moved down 30 places.
How many mortgages are delinquent in Jefferson County, KY?
1.0% of Jefferson, KY mortgages were ninety-plus days late in December 2025; the Jefferson, KY peak since 2008 was 3.6%.
Which banks lend in Jefferson County, KY?
8 watched lenders hold Jefferson, KY branches; the largest Jefferson, KY footprints are Stock Yards Bank&Trust Co (28), Republic Bank&Trust Co (17), River City Bank Inc (6).
More on Jefferson, KY
Jefferson County, KY distress report: public-record figures for Jefferson, KY; not legal advice for Jefferson, KY; not tax or investment advice; verify every Jefferson, KY record before acting.