Mclean County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mclean County, Kentucky? DLRadar grades every Mclean County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Mclean County breakdown.
- Mclean County's most distressed ZIP is 42301 at 34/100.
- 8 ZIP codes tracked in Mclean County, averaging 28/100 distress.
- Mclean County reads expansion — home values up 11.4% year over year.
- Vacancy runs 13.2% across Mclean County's tracked ZIPs, with a 11.1% poverty rate.
- The typical Mclean County home is worth about $164,486 against a ~$64,534 median income.
- Lending headwind in Mclean County sits at 59/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42301 | 34/100 |
| 2 | 42376 | 34/100 |
| 3 | 42352 | 29/100 |
| 4 | 42327 | 27/100 |
| 5 | 42322 | 25/100 |
| 6 | 42350 | 25/100 |
| 7 | 42371 | 25/100 |
| 8 | 42372 | 24/100 |
Most distressed ZIP codes in Mclean County (composite distress 0-100, 2026)
What is driving Mclean County distress
DLRadar builds Mclean County's distress picture only from records anyone can pull; its ZIPs average 28/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Mclean County market phase and pricing
Mclean County currently sits in expansion after a 11.4% 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 Mclean County
Keep reading the Mclean County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
No card required · full read access to live data for 60 minutes.
Questions and answers
Which part of Mclean County, KY scores highest for distress?
ZIP 42301 leads Mclean County at 34/100, recomputed monthly from public records.
Where is Mclean County in the housing cycle?
Mclean County reads expansion, with home prices up 11.4% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Mclean County numbers?
Mclean 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 Mclean County ZIP codes?
Averaging the county conceals how uneven it is. Across the Mclean County ZIPs DLRadar ranks, scores run from 34/100 in 42301 down to 24/100 in 42372, against a Mclean County average of 28/100. Because the gap runs to 10 points, Mclean County rewards ZIP-level precision.
What do Mclean County home values and vacancy say about distressed supply?
The typical Mclean County home carries about $164,486 of value against a median household income near $64,534. Vacancy across Mclean County's tracked ZIPs runs 13.2% and the poverty rate is 11.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Mclean County's foreclosure and tax-lien filings and its 59/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.