Lincoln County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lincoln County, Kentucky? DLRadar grades every Lincoln County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Lincoln County breakdown.
- Lincoln County's most distressed ZIP is 42567 at 26/100.
- 11 ZIP codes tracked in Lincoln County, averaging 22/100 distress.
- Lincoln County reads peak — home values up 4.4% year over year.
- Vacancy runs 11.8% across Lincoln County's tracked ZIPs, with a 21.9% poverty rate.
- The typical Lincoln County home is worth about $141,440 against a ~$56,865 median income.
- Lending headwind in Lincoln County sits at 0/100 — 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 | 42567 | 26/100 |
| 2 | 40409 | 23/100 |
| 3 | 40419 | 23/100 |
| 4 | 40444 | 23/100 |
| 5 | 40437 | 22/100 |
| 6 | 40442 | 22/100 |
| 7 | 40448 | 22/100 |
| 8 | 40484 | 22/100 |
| 9 | 40489 | 22/100 |
| 10 | 40422 | 19/100 |
| 11 | 40440 | 19/100 |
Most distressed ZIP codes in Lincoln County (composite distress 0-100, 2026)
What is driving Lincoln County distress
Nothing here is estimated: Lincoln County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Lincoln County market phase and pricing
The cycle in Lincoln County is peak, with values up 4.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which ZIP code leads Lincoln County on distress?
ZIP 42567 leads Lincoln County at 26/100, recomputed monthly from public records.
What market phase is Lincoln County in?
Lincoln County is classified peak with a 4.4% year-over-year increase, following the FHFA House Price Index.
What is this Lincoln County analysis built from?
Every Lincoln County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 11 Lincoln County ZIP codes that it runs on every other U.S. county, so Lincoln County's numbers are directly comparable to any other market.
How much do distress scores vary between Lincoln County ZIP codes?
The county figure is a blend, not a description. Across the Lincoln County ZIPs DLRadar ranks, scores run from 26/100 in 42567 down to 19/100 in 40440, against a Lincoln County average of 22/100. That 7-point gap is why acquisition targeting in Lincoln County works at ZIP level rather than county level.
What do Lincoln County home values and vacancy say about distressed supply?
The typical Lincoln County home carries about $141,440 of value against a median household income near $56,865. Vacancy across Lincoln County's tracked ZIPs runs 11.8% and the poverty rate is 21.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Lincoln County's filings and its 0/100 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.