Madison County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Madison County, KY distress report, 2026: 5 ZIPs scored in Madison, KY, Madison, KY average 31/100; the top Madison, KY ZIP is 40385 at 32/100; Madison, KY market phase peak, Madison, KY prices +4.4% year over year.
- Madison, KY ranks #620 nationally (opportunity index); Madison, KY #49 in Kentucky; Madison, KY index 32.8.
- Madison, KY: no CFPB county sample; Madison, KY non-metro area reading 1.1%.
- Madison, KY ZIP phases: 3 peak, 2 neutral.
- Madison, KY residential listings tracked: 100 across 4 ZIPs; Madison, KY candidate listings 9.
- Madison, KY HUD assisted properties: 5 with 354 units.
- Madison, KY lenders on watch: 8; largest Madison, KY footprint Whitaker Bank (9 branches).
- Madison, KY most distressed ZIP: 40385 at 32/100.
Madison, KY figures: DLRadar distress index; Madison, KY inputs: CFPB, FHFA, HUD, FDIC; Madison, KY rebuilt as sources refresh.
| Rank | Madison, KY ZIP | Score |
|---|---|---|
| 1 | 40385 | 32/100 |
| 2 | 40404 | 32/100 |
| 3 | 40475 | 32/100 |
| 4 | 40403 | 31/100 |
| 5 | 40461 | 28/100 |
Most distressed Madison, KY ZIPs (0-100, 2026)
Mortgage delinquency around Madison, KY
No CFPB county sample covers Madison, KY; the non-metro area reading for Madison, KY: 1.1% ninety-plus; Madison, KY area thirty-to-eighty-nine 3.0% (December 2025, Madison, KY); Kentucky overall 1.0%.
Opportunity index: Madison, KY
Madison, KY index 32.8, Madison, KY phase peak_opportunity; Madison, KY primary driver construction, Madison, KY second driver bank institutional. Madison, KY components: property stress 22.1, foreclosure pressure 21.9, listing discounts 38.7, bank stress 58.0, insurance 0.0; Madison, KY pulse 35.8; Madison, KY capital opportunity 28.4; Madison, KY seven-day change +1.2%.
ZIP market phases inside Madison, KY
5 Madison, KY ZIPs carry a price-cycle phase; Madison, KY ZIPs by phase (Madison, KY), deepest drawdown first: peak, +4.4% YoY (Madison, KY): 40385, 40404, 40475; neutral, +4.5% YoY (Madison, KY): 40403; neutral, +5.0% YoY (Madison, KY): 40461.
Residential listings by Madison, KY ZIP
Madison, KY ZIPs with the most tracked Madison, KY residential listings: 40475 95 listings, 7 candidates, bank pressure 64; 40403 5 listings, 2 candidates, bank pressure 63; 40385 0 listings, 0 candidates, bank pressure 64; 40404 0 listings, 0 candidates, bank pressure 64 (Madison, KY). Madison, KY totals: 100 listings; Madison, KY candidates 9; active ZIPs 2.
HUD assisted housing in Madison, KY
5 assisted properties with 354 units sit in Madison, KY; largest Madison, KY properties: Richmond Manor Apartments (Richmond) 138 units, 138 assisted; Madison Tower (Richmond) 102 units, 101 assisted; Madison Avenue Apartments (Richmond) 79 units, 79 assisted in Madison, KY; Brandy View Apartments (Richmond) 24 units; Bivins Place (Richmond) 11 units, 10 assisted.
Lenders with branches in Madison, KY
Madison, KY lenders by branch count: Whitaker Bank (Madison, KY): stress 57, 9 branches low in Madison, KY; Cumberland Valley Nb&T Co (Madison, KY): stress 70, 3 branches low in Madison, KY; Citizens Guaranty Bank (Madison, KY): stress 66, 3 branches low in Madison, KY; Central Bank&Trust Co (Madison, KY): stress 56, 3 branches low in Madison, KY; Community Trust Bank Inc (Madison, KY): stress 47, 3 branches low in Madison, KY; Stock Yards Bank&Trust Co (Madison, KY): stress 51, 2 branches low in Madison, KY; 1st Trust Bank Inc (Madison, KY): stress 80, 1 branch low in Madison, KY; Forcht Bank National Assn (Madison, KY): stress 80, 1 branch low in Madison, KY.
Vacancy and permits, Madison, KY
3,405 of 40,456 Madison, KY housing units are vacant; Madison, KY permits, twelve months: 90 multifamily units in Madison, KY, 460 one-to-four unit units.
Work Madison, KY at the parcel level
Every Madison, KY parcel carries owner and address; every Madison, KY parcel carries APN; Madison, KY distress scores sit on the Madison, KY live board.
Madison, KY figures refresh with each source.
Madison, KY questions
Most distressed ZIP code in Madison County, KY?
ZIP 40385 leads Madison, KY at 32/100; next in Madison, KY: 40404 at 32/100; the Madison, KY average is 31/100.
Where does Madison County, KY rank for investment opportunity?
Madison, KY is #620 among all ranked counties, #49 in Kentucky; the Madison, KY driver is construction; Madison, KY moved up 403 places.
How many mortgages are delinquent in Madison County, KY?
Madison, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Madison, KY.
Which banks lend in Madison County, KY?
8 watched lenders hold Madison, KY branches; the largest Madison, KY footprints are Whitaker Bank (9), Cumberland Valley Nb&T Co (3), Citizens Guaranty Bank (3).
More on Madison, KY
Madison County, KY distress report: public-record figures for Madison, KY; not legal advice for Madison, KY; not tax or investment advice; verify every Madison, KY record before acting.