Laurel County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Laurel County, Kentucky? DLRadar grades every Laurel County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Laurel County breakdown.
- Laurel County's most distressed ZIP is 40729 at 34/100.
- 8 ZIP codes tracked in Laurel County, averaging 33/100 distress.
- Laurel County reads peak — home values up 4.4% year over year.
- Vacancy runs 9.8% across Laurel County's tracked ZIPs, with a 23.5% poverty rate.
- The typical Laurel County home is worth about $136,175 against a ~$52,617 median income.
- Lending headwind in Laurel County sits at 54/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40729 | 34/100 |
| 2 | 40737 | 34/100 |
| 3 | 40740 | 34/100 |
| 4 | 40741 | 34/100 |
| 5 | 40744 | 34/100 |
| 6 | 40962 | 34/100 |
| 7 | 40734 | 33/100 |
| 8 | 40701 | 27/100 |
Most distressed ZIP codes in Laurel County (composite distress 0-100, 2026)
What is driving Laurel County distress
The Laurel County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 33/100 ZIP average. No proprietary or modelled inputs enter the score.
Laurel County market phase and pricing
Phase for Laurel County: peak (+4.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Laurel County
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Common questions
Where is distress highest inside Laurel County, KY?
ZIP 40729 leads Laurel County at 34/100, recomputed monthly from public records.
Which phase does Laurel County sit in right now?
The market phase for Laurel County is peak, prices rising 4.4% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Laurel County scores?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 8 ZIP codes in Laurel County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Laurel County ZIP codes?
The county figure is a blend, not a description. Across the Laurel County ZIPs DLRadar ranks, scores run from 34/100 in 40729 down to 27/100 in 40701, against a Laurel County average of 33/100. A spread of 7 points means Laurel County has to be worked ZIP by ZIP.
What do Laurel County home values and vacancy say about distressed supply?
The typical Laurel County home carries about $136,175 of value against a median household income near $52,617. Vacancy across Laurel County's tracked ZIPs runs 9.8% and the poverty rate is 23.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Laurel County's foreclosure and tax-lien record and its 54/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.