Jessamine County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Jessamine County, Kentucky? DLRadar grades every Jessamine County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Jessamine County breakdown.
- Jessamine County's most distressed ZIP is 40515 at 31/100.
- 5 ZIP codes tracked in Jessamine County, averaging 28/100 distress.
- Jessamine County reads expansion — home values up 5.9% year over year.
- Vacancy runs 8.4% across Jessamine County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Jessamine County home is worth about $256,460 against a ~$79,004 median income.
- Lending headwind in Jessamine County sits at 42/100 — 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 | 40515 | 31/100 |
| 2 | 40339 | 28/100 |
| 3 | 40356 | 28/100 |
| 4 | 40390 | 28/100 |
| 5 | 40383 | 25/100 |
Most distressed ZIP codes in Jessamine County (composite distress 0-100, 2026)
What is driving Jessamine County distress
DLRadar builds Jessamine County's distress picture only from records anyone can pull; its ZIPs average 28/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Jessamine County market phase and pricing
The cycle in Jessamine County is expansion, with values up 5.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions about this county
Where is distress highest inside Jessamine County, KY?
ZIP 40515 leads Jessamine County at 31/100, recomputed monthly from public records.
How would you describe the Jessamine County market phase?
Jessamine County reads expansion, with home prices up 5.9% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Jessamine County analysis built from?
Every Jessamine County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 5 Jessamine County ZIP codes that it runs on every other U.S. county, so Jessamine County's numbers are directly comparable to any other market.
How much do distress scores vary between Jessamine County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Jessamine County ZIPs DLRadar ranks, scores run from 31/100 in 40515 down to 25/100 in 40383, against a Jessamine County average of 28/100. Those 6 points separate the ZIPs worth working in Jessamine County from the rest.
What do Jessamine County home values and vacancy say about distressed supply?
The typical Jessamine County home carries about $256,460 of value against a median household income near $79,004. Vacancy across Jessamine County's tracked ZIPs runs 8.4% and the poverty rate is 14.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Jessamine County's filings and its 42/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.