Mercer County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mercer County, KY distress report, 2026: 5 ZIPs scored in Mercer, KY, Mercer, KY average 24/100; the top Mercer, KY ZIP is 40310 at 26/100; Mercer, KY market phase expansion, Mercer, KY prices +5.3% year over year.
- Mercer, KY ranks #784 nationally (opportunity index); Mercer, KY #54 in Kentucky; Mercer, KY index 32.0.
- Mercer, KY: no CFPB county sample; Mercer, KY non-metro area reading 1.1%.
- Mercer, KY ZIP phases: 3 expansion, 1 peak, 1 neutral.
- Mercer, KY residential listings tracked: 6 across 3 ZIPs; Mercer, KY candidate listings 5.
- Mercer, KY HUD assisted properties: 1 with 63 units.
- Mercer, KY lenders on watch: 3; largest Mercer, KY footprint Farmers Nb Of Danville (3 branches).
- Mercer, KY most distressed ZIP: 40310 at 26/100.
Mercer, KY figures: DLRadar distress index; Mercer, KY inputs: CFPB, FHFA, HUD, FDIC; Mercer, KY rebuilt as sources refresh.
| Rank | Mercer, KY ZIP | Score |
|---|---|---|
| 1 | 40310 | 26/100 |
| 2 | 40372 | 26/100 |
| 3 | 40330 | 25/100 |
| 4 | 40342 | 22/100 |
| 5 | 40468 | 19/100 |
Most distressed Mercer, KY ZIPs (0-100, 2026)
Mortgage delinquency around Mercer, KY
No CFPB county sample covers Mercer, KY; the non-metro area reading for Mercer, KY: 1.1% ninety-plus; Mercer, KY area thirty-to-eighty-nine 3.0% (December 2025, Mercer, KY); Kentucky overall 1.0%.
Opportunity index: Mercer, KY
Mercer, KY index 32.0, Mercer, KY phase watchlist; Mercer, KY primary driver vacancy, Mercer, KY second driver construction. Mercer, KY components: property stress 24.8, foreclosure pressure 23.4, listing discounts 33.5, bank stress 52.3, insurance 0.0; Mercer, KY pulse 34.8; Mercer, KY capital opportunity 27.9; Mercer, KY seven-day change +0.8%.
ZIP market phases inside Mercer, KY
5 Mercer, KY ZIPs carry a price-cycle phase; Mercer, KY ZIPs by phase (Mercer, KY), deepest drawdown first: expansion, +5.3% YoY (Mercer, KY): 40310, 40330, 40372; peak, +4.4% YoY (Mercer, KY): 40342; neutral, +4.6% YoY (Mercer, KY): 40468.
Residential listings by Mercer, KY ZIP
Mercer, KY ZIPs with the most tracked Mercer, KY residential listings: 40330 5 listings, 5 candidates, bank pressure 57; 40372 1 listings, 0 candidates, bank pressure 51; 40310 0 listings, 0 candidates, bank pressure 54. Mercer, KY totals: 6 listings; Mercer, KY candidates 5; active ZIPs 1.
HUD assisted housing in Mercer, KY
1 assisted properties with 63 units sit in Mercer, KY; largest Mercer, KY properties: Belmont Court Apartments (Harrodsburg) 63 units, 60 assisted.
Lenders with branches in Mercer, KY
Mercer, KY lenders by branch count: Farmers Nb Of Danville (Mercer, KY): stress 64, 3 branches low in Mercer, KY; Whitaker Bank (Mercer, KY): stress 57, 3 branches low in Mercer, KY; Community Trust Bank Inc (Mercer, KY): stress 47, 1 branch low in Mercer, KY.
Vacancy and permits, Mercer, KY
1,291 of 10,472 Mercer, KY housing units are vacant; Mercer, KY permits, twelve months: 32 multifamily units in Mercer, KY, 117 one-to-four unit units.
Work Mercer, KY at the parcel level
Every Mercer, KY parcel carries owner and address; every Mercer, KY parcel carries APN; Mercer, KY distress scores sit on the Mercer, KY live board.
Mercer, KY figures refresh with each source.
Mercer, KY questions
Most distressed ZIP code in Mercer County, KY?
ZIP 40310 leads Mercer, KY at 26/100; next in Mercer, KY: 40372 at 26/100; the Mercer, KY average is 24/100.
Where does Mercer County, KY rank for investment opportunity?
Mercer, KY is #784 among all ranked counties, #54 in Kentucky; the Mercer, KY driver is vacancy; Mercer, KY moved up 379 places.
How many mortgages are delinquent in Mercer County, KY?
Mercer, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Mercer, KY.
Which banks lend in Mercer County, KY?
3 watched lenders hold Mercer, KY branches; the largest Mercer, KY footprints are Farmers Nb Of Danville (3), Whitaker Bank (3), Community Trust Bank Inc (1).
More on Mercer, KY
Mercer County, KY distress report: public-record figures for Mercer, KY; not legal advice for Mercer, KY; not tax or investment advice; verify every Mercer, KY record before acting.