Jefferson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jefferson County, Kentucky? DLRadar grades every Jefferson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Jefferson County breakdown.
- Jefferson County's most distressed ZIP is 40025 at 36/100.
- 43 ZIP codes tracked in Jefferson County, averaging 35/100 distress.
- Jefferson County reads peak — home values up 3.8% year over year.
- Vacancy runs 8.2% across Jefferson County's tracked ZIPs, with a 17% poverty rate.
- The typical Jefferson County home is worth about $287,226 against a ~$74,732 median income.
- Lending headwind in Jefferson County sits at 39/100 — 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 | 40025 | 36/100 |
| 2 | 40041 | 36/100 |
| 3 | 40118 | 36/100 |
| 4 | 40202 | 36/100 |
| 5 | 40203 | 36/100 |
| 6 | 40204 | 36/100 |
| 7 | 40205 | 36/100 |
| 8 | 40206 | 36/100 |
| 9 | 40207 | 36/100 |
| 10 | 40208 | 36/100 |
| 11 | 40209 | 36/100 |
| 12 | 40210 | 36/100 |
Most distressed ZIP codes in Jefferson County (composite distress 0-100, 2026)
What is driving Jefferson County distress
The Jefferson County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 35/100 ZIP average. No proprietary or modelled inputs enter the score.
Jefferson County market phase and pricing
Phase for Jefferson County: peak (+3.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Jefferson County
Keep reading the Jefferson County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
No card charged today · explore every module with live data.
Frequently asked
Which part of Jefferson County, KY scores highest for distress?
ZIP 40025 leads Jefferson County at 36/100, recomputed monthly from public records.
Is Jefferson County expanding or contracting?
Jefferson County is classified peak with a 3.8% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Jefferson County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 43 Jefferson County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Jefferson County ZIP codes?
The county figure is a blend, not a description. Across the Jefferson County ZIPs DLRadar ranks, scores run from 36/100 in 40025 down to 36/100 in 40210, against a Jefferson County average of 35/100. A spread of 0 points means Jefferson County has to be worked ZIP by ZIP.
What do Jefferson County home values and vacancy say about distressed supply?
The typical Jefferson County home carries about $287,226 of value against a median household income near $74,732. Vacancy across Jefferson County's tracked ZIPs runs 8.2% and the poverty rate is 17%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Jefferson County's foreclosure and lien data and its 39/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.