Madison County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Madison County, Kentucky? DLRadar grades every Madison County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Madison County breakdown.
- Madison County's most distressed ZIP is 40385 at 27/100.
- 5 ZIP codes tracked in Madison County, averaging 26/100 distress.
- Madison County reads peak — home values up 4.4% year over year.
- Vacancy runs 12.5% across Madison County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Madison County home is worth about $210,250 against a ~$62,090 median income.
- Lending headwind in Madison County sits at 47/100 — 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 | 40385 | 27/100 |
| 2 | 40404 | 27/100 |
| 3 | 40475 | 27/100 |
| 4 | 40403 | 25/100 |
| 5 | 40461 | 22/100 |
Most distressed ZIP codes in Madison County (composite distress 0-100, 2026)
What is driving Madison County distress
DLRadar builds Madison County's distress picture only from records anyone can pull; its ZIPs average 26/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Madison County market phase and pricing
Madison County currently sits in peak after a 4.4% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Madison County
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What people ask
Which Madison County ZIP scores worst for distress?
ZIP 40385 leads Madison County at 27/100, recomputed monthly from public records.
How would you describe the Madison County market phase?
The market phase for Madison County is peak, prices rising 4.4% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Madison County numbers?
Madison County draws on FHFA (peak 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 5 ZIPs are comparable to anywhere else.
How much do distress scores vary between Madison County ZIP codes?
A county average hides the spread. Across the Madison County ZIPs DLRadar ranks, scores run from 27/100 in 40385 down to 22/100 in 40461, against a Madison County average of 26/100. Those 5 points separate the ZIPs worth working in Madison County from the rest.
What do Madison County home values and vacancy say about distressed supply?
The typical Madison County home carries about $210,250 of value against a median household income near $62,090. Vacancy across Madison County's tracked ZIPs runs 12.5% and the poverty rate is 14.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Madison County's foreclosure and lien filings and its 47/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.