Mccreary County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mccreary County, Kentucky? DLRadar grades every Mccreary County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Mccreary County breakdown.
- Mccreary County's most distressed ZIP is 40769 at 24/100.
- 8 ZIP codes tracked in Mccreary County, averaging 13/100 distress.
- Mccreary County reads expansion — home values up 5.3% year over year.
- Vacancy runs 18.3% across Mccreary County's tracked ZIPs, with a 43.2% poverty rate.
- The typical Mccreary County home is worth about $83,071 against a ~$39,750 median income.
- Lending headwind in Mccreary County sits at 10/100 — 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 | 40769 | 24/100 |
| 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 ZIP codes in Mccreary County (composite distress 0-100, 2026)
What is driving Mccreary County distress
Mccreary County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 13/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Mccreary County market phase and pricing
Mccreary County currently sits in expansion after a 5.3% 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 Mccreary County
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What people ask
Which ZIP code leads Mccreary County on distress?
ZIP 40769 leads Mccreary County at 24/100, recomputed monthly from public records.
Where is Mccreary County in the housing cycle?
Mccreary County currently sits in expansion, with values up 5.3% year on year, based on FHFA price-index trajectory.
Where does the Mccreary County data come from?
Mccreary 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 8 ZIPs are comparable to anywhere else.
How much do distress scores vary between Mccreary County ZIP codes?
A single county score papers over real variation. Across the Mccreary County ZIPs DLRadar ranks, scores run from 24/100 in 40769 down to 11/100 in 42653, against a Mccreary County average of 13/100. The 13-point range is the argument for ZIP-level search across Mccreary County.
What do Mccreary County home values and vacancy say about distressed supply?
The typical Mccreary County home carries about $83,071 of value against a median household income near $39,750. Vacancy across Mccreary County's tracked ZIPs runs 18.3% and the poverty rate is 43.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Mccreary County's filings and its 10/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.