Lawrence County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lawrence County, KY distress report, 2026: 10 ZIPs scored in Lawrence, KY, Lawrence, KY average 20/100; the top Lawrence, KY ZIP is 41129 at 33/100; Lawrence, KY market phase expansion, Lawrence, KY prices +7.3% year over year.
- Lawrence, KY ranks #490 nationally (opportunity index); Lawrence, KY #38 in Kentucky; Lawrence, KY index 33.5.
- Lawrence, KY: no CFPB county sample; Lawrence, KY metro area reading 1.2%.
- Lawrence, KY ZIP phases: 10 expansion.
- Lawrence, KY residential listings tracked: 8 across 7 ZIPs; Lawrence, KY candidate listings 7.
- Lawrence, KY HUD assisted properties: 2 with 43 units.
- Lawrence, KY lenders on watch: 2; largest Lawrence, KY footprint Citizens Bank Of Ky Inc (1 branch).
- Lawrence, KY most distressed ZIP: 41129 at 33/100.
Lawrence, KY figures: DLRadar distress index; Lawrence, KY inputs: CFPB, FHFA, HUD, FDIC; Lawrence, KY rebuilt as sources refresh.
| Rank | Lawrence, KY ZIP | Score |
|---|---|---|
| 1 | 41129 | 33/100 |
| 2 | 41254 | 25/100 |
| 3 | 41132 | 22/100 |
| 4 | 41232 | 20/100 |
| 5 | 41124 | 17/100 |
| 6 | 41159 | 17/100 |
| 7 | 41201 | 17/100 |
| 8 | 41230 | 17/100 |
| 9 | 41264 | 17/100 |
| 10 | 41180 | 16/100 |
Most distressed Lawrence, KY ZIPs (0-100, 2026)
Mortgage delinquency around Lawrence, KY
No CFPB county sample covers Lawrence, KY; the metro area reading for Lawrence, KY (Huntington-Ashland, WV-KY-OH): 1.2% ninety-plus; Lawrence, KY area thirty-to-eighty-nine 3.3% (December 2025, Lawrence, KY); Kentucky overall 1.0%.
Opportunity index: Lawrence, KY
Lawrence, KY index 33.5, Lawrence, KY phase peak_opportunity; Lawrence, KY primary driver vacancy, Lawrence, KY second driver bank institutional. Lawrence, KY components: property stress 28.2, foreclosure pressure 28.5, listing discounts 33.2, bank stress 47.6, insurance 0.0; Lawrence, KY pulse 36.3; Lawrence, KY capital opportunity 29.4; Lawrence, KY seven-day change +1.0%.
ZIP market phases inside Lawrence, KY
10 Lawrence, KY ZIPs carry a price-cycle phase; Lawrence, KY ZIPs by phase (Lawrence, KY), deepest drawdown first: expansion, +7.3% YoY (Lawrence, KY): 41124, 41129, 41132, 41159, Lawrence, KY 41201, 41264; expansion, +6.9% YoY (Lawrence, KY): 41180; expansion, +7.2% YoY (Lawrence, KY): 41230; expansion, +6.7% YoY (Lawrence, KY): 41232; expansion, +5.5% YoY (Lawrence, KY): 41254.
Residential listings by Lawrence, KY ZIP
Lawrence, KY ZIPs with the most tracked Lawrence, KY residential listings: 41230 7 listings, 7 candidates, bank pressure 56; 41180 1 listings, 0 candidates, bank pressure 53; 41124 0 listings, 0 candidates, bank pressure 52; 41159 0 listings, 0 candidates, bank pressure 52 (Lawrence, KY); 41201 0 listings, 0 candidates, bank pressure 52; 41232 0 listings, 0 candidates, bank pressure 53; 41264 0 listings, 0 candidates, bank pressure 52. Lawrence, KY totals: 8 listings; Lawrence, KY candidates 7; active ZIPs 0.
HUD assisted housing in Lawrence, KY
2 assisted properties with 43 units sit in Lawrence, KY; largest Lawrence, KY properties: Bay Pointe Apartments (Louisa) 23 units, 22 assisted; Pinecrest (Louisa) 20 units.
Lenders with branches in Lawrence, KY
Lawrence, KY lenders by branch count: Citizens Bank Of Ky Inc (Lawrence, KY): stress 58, 1 branch low in Lawrence, KY; Kentucky Farmers Bank Corp (Lawrence, KY): stress 29, 1 branch low in Lawrence, KY.
Vacancy and permits, Lawrence, KY
1,262 of 7,604 Lawrence, KY housing units are vacant.
Work Lawrence, KY at the parcel level
Every Lawrence, KY parcel carries owner and address; every Lawrence, KY parcel carries APN; Lawrence, KY distress scores sit on the Lawrence, KY live board.
Lawrence, KY figures refresh with each source.
Lawrence, KY questions
Most distressed ZIP code in Lawrence County, KY?
ZIP 41129 leads Lawrence, KY at 33/100; next in Lawrence, KY: 41254 at 25/100; the Lawrence, KY average is 20/100.
Where does Lawrence County, KY rank for investment opportunity?
Lawrence, KY is #490 among all ranked counties, #38 in Kentucky; the Lawrence, KY driver is vacancy; Lawrence, KY moved up 523 places.
How many mortgages are delinquent in Lawrence County, KY?
Lawrence, KY takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Lawrence, KY.
Which banks lend in Lawrence County, KY?
2 watched lenders hold Lawrence, KY branches; the largest Lawrence, KY footprints are Citizens Bank Of Ky Inc (1), Kentucky Farmers Bank Corp (1).
More on Lawrence, KY
Lawrence County, KY distress report: public-record figures for Lawrence, KY; not legal advice for Lawrence, KY; not tax or investment advice; verify every Lawrence, KY record before acting.