Lawrence County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lawrence County, Kentucky? DLRadar grades every Lawrence County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Lawrence County breakdown.
- Lawrence County's most distressed ZIP is 41129 at 33/100.
- 10 ZIP codes tracked in Lawrence County, averaging 21/100 distress.
- Lawrence County reads expansion — home values up 7.3% year over year.
- Vacancy runs 21.7% across Lawrence County's tracked ZIPs, with a 18.7% poverty rate.
- The typical Lawrence County home is worth about $114,814 against a ~$51,223 median income.
- Lending headwind in Lawrence County sits at 21/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 41129 | 33/100 |
| 2 | 41132 | 27/100 |
| 3 | 41254 | 25/100 |
| 4 | 41180 | 21/100 |
| 5 | 41232 | 19/100 |
| 6 | 41124 | 17/100 |
| 7 | 41159 | 17/100 |
| 8 | 41201 | 17/100 |
| 9 | 41230 | 17/100 |
| 10 | 41264 | 17/100 |
Most distressed ZIP codes in Lawrence County (composite distress 0-100, 2026)
What is driving Lawrence County distress
DLRadar builds Lawrence County's distress picture only from records anyone can pull; its ZIPs average 21/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Lawrence County market phase and pricing
Lawrence County reads expansion — home prices rose 7.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Lawrence County
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What people ask
Where is distress highest inside Lawrence County, KY?
ZIP 41129 leads Lawrence County at 33/100, recomputed monthly from public records.
Which phase does Lawrence County sit in right now?
Lawrence County reads expansion, with home prices up 7.3% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Lawrence County analysis built from?
Lawrence County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Lawrence County ZIP codes?
A county average hides the spread. Across the Lawrence County ZIPs DLRadar ranks, scores run from 33/100 in 41129 down to 17/100 in 41264, against a Lawrence County average of 21/100. That 16-point gap is why acquisition targeting in Lawrence County works at ZIP level rather than county level.
What do Lawrence County home values and vacancy say about distressed supply?
The typical Lawrence County home carries about $114,814 of value against a median household income near $51,223. Vacancy across Lawrence County's tracked ZIPs runs 21.7% and the poverty rate is 18.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Lawrence County's foreclosure and tax-lien filings and its 21/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.