Mccreary County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mccreary County, KY distress report, 2026: 8 ZIPs scored in Mccreary, KY, Mccreary, KY average 12/100; the top Mccreary, KY ZIP is 40769 at 22/100; Mccreary, KY market phase expansion, Mccreary, KY prices +5.3% year over year.
- Mccreary, KY ranks #1,088 nationally (opportunity index); Mccreary, KY #72 in Kentucky; Mccreary, KY index 30.9.
- Mccreary, KY: no CFPB county sample; Mccreary, KY non-metro area reading 1.1%.
- Mccreary, KY ZIP phases: 7 expansion, 1 neutral.
- Mccreary, KY residential listings tracked: 5 across 7 ZIPs; Mccreary, KY candidate listings 2.
- Mccreary, KY HUD assisted properties: 1 with 32 units.
- Mccreary, KY lenders on watch: 1; largest Mccreary, KY footprint United Cumberland Bank (3 branches).
- Mccreary, KY most distressed ZIP: 40769 at 22/100.
Mccreary, KY figures: DLRadar distress index; Mccreary, KY inputs: CFPB, FHFA, HUD, FDIC; Mccreary, KY rebuilt as sources refresh.
| Rank | Mccreary, KY ZIP | Score |
|---|---|---|
| 1 | 40769 | 22/100 |
| 2 | 42631 | 11/100 |
| 3 | 42634 | 11/100 |
| 4 | 42635 | 11/100 |
| 5 | 42638 | 11/100 |
| 6 | 42647 | 11/100 |
| 7 | 42649 | 11/100 |
| 8 | 42653 | 11/100 |
Most distressed Mccreary, KY ZIPs (0-100, 2026)
Mortgage delinquency around Mccreary, KY
No CFPB county sample covers Mccreary, KY; the non-metro area reading for Mccreary, KY: 1.1% ninety-plus; Mccreary, KY area thirty-to-eighty-nine 3.0% (December 2025, Mccreary, KY); Kentucky overall 1.0%.
Opportunity index: Mccreary, KY
Mccreary, KY index 30.9, Mccreary, KY phase watchlist; Mccreary, KY primary driver vacancy, Mccreary, KY second driver bank institutional. Mccreary, KY components: property stress 26.8, foreclosure pressure 27.2, listing discounts 31.1, bank stress 43.4, insurance 0.0; Mccreary, KY pulse 30.9; Mccreary, KY capital opportunity 29.1; Mccreary, KY seven-day change -0.5%.
ZIP market phases inside Mccreary, KY
8 Mccreary, KY ZIPs carry a price-cycle phase; Mccreary, KY ZIPs by phase (Mccreary, KY), deepest drawdown first: neutral, +4.5% YoY (Mccreary, KY): 40769; expansion, +5.3% YoY (Mccreary, KY): 42631, 42634, 42635, 42638, Mccreary, KY 42647, 42649, 42653.
Residential listings by Mccreary, KY ZIP
Mccreary, KY ZIPs with the most tracked Mccreary, KY residential listings: 42634 2 listings, 1 candidates, bank pressure 48; 42653 2 listings, 1 candidates, bank pressure 48; 42649 1 listings, 0 candidates, bank pressure 48; 42631 0 listings, 0 candidates, bank pressure 48 (Mccreary, KY); 42635 0 listings, 0 candidates, bank pressure 48; 42638 0 listings, 0 candidates, bank pressure 48; 42647 0 listings, 0 candidates, bank pressure 48. Mccreary, KY totals: 5 listings; Mccreary, KY candidates 2; active ZIPs 1.
HUD assisted housing in Mccreary, KY
1 assisted properties with 32 units sit in Mccreary, KY; largest Mccreary, KY properties: Pine Knot Manor (Pine Knot) 32 units, 32 assisted.
Lenders with branches in Mccreary, KY
Mccreary, KY lenders by branch count: United Cumberland Bank (Mccreary, KY): stress 48, 3 branches low in Mccreary, KY.
Vacancy and permits, Mccreary, KY
1,059 of 6,920 Mccreary, KY housing units are vacant.
Work Mccreary, KY at the parcel level
Every Mccreary, KY parcel carries owner and address; every Mccreary, KY parcel carries APN; Mccreary, KY distress scores sit on the Mccreary, KY live board.
Mccreary, KY figures refresh with each source.
Mccreary, KY questions
Most distressed ZIP code in Mccreary County, KY?
ZIP 40769 leads Mccreary, KY at 22/100; next in Mccreary, KY: 42631 at 11/100; the Mccreary, KY average is 12/100.
Where does Mccreary County, KY rank for investment opportunity?
Mccreary, KY is #1,088 among all ranked counties, #72 in Kentucky; the Mccreary, KY driver is vacancy; Mccreary, KY moved up 1,006 places.
How many mortgages are delinquent in Mccreary County, KY?
Mccreary, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Mccreary, KY.
Which banks lend in Mccreary County, KY?
1 watched lenders hold Mccreary, KY branches; the largest Mccreary, KY footprints are United Cumberland Bank (3).
More on Mccreary, KY
Mccreary County, KY distress report: public-record figures for Mccreary, KY; not legal advice for Mccreary, KY; not tax or investment advice; verify every Mccreary, KY record before acting.