Mercer County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mercer County, Kentucky? DLRadar grades every Mercer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Mercer County breakdown.
- Mercer County's most distressed ZIP is 40310 at 24/100.
- 5 ZIP codes tracked in Mercer County, averaging 22/100 distress.
- Mercer County reads expansion — home values up 5.3% year over year.
- Vacancy runs 12.4% across Mercer County's tracked ZIPs, with a 10.5% poverty rate.
- The typical Mercer County home is worth about $190,520 against a ~$67,908 median income.
- Lending headwind in Mercer County sits at 37/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40310 | 24/100 |
| 2 | 40330 | 24/100 |
| 3 | 40372 | 24/100 |
| 4 | 40342 | 20/100 |
| 5 | 40468 | 20/100 |
Most distressed ZIP codes in Mercer County (composite distress 0-100, 2026)
What is driving Mercer County distress
The Mercer County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 22/100 ZIP average. No proprietary or modelled inputs enter the score.
Mercer County market phase and pricing
Mercer County reads expansion — home prices rose 5.3% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Mercer County
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Common questions
What is the most distressed ZIP code in Mercer County, KY?
ZIP 40310 leads Mercer County at 24/100, recomputed monthly from public records.
Is Mercer County expanding or contracting?
Mercer County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Mercer County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 5 Mercer County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Mercer County ZIP codes?
A single county score papers over real variation. Across the Mercer County ZIPs DLRadar ranks, scores run from 24/100 in 40310 down to 20/100 in 40468, against a Mercer County average of 22/100. Those 4 points separate the ZIPs worth working in Mercer County from the rest.
What do Mercer County home values and vacancy say about distressed supply?
The typical Mercer County home carries about $190,520 of value against a median household income near $67,908. Vacancy across Mercer County's tracked ZIPs runs 12.4% and the poverty rate is 10.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Mercer County's foreclosure and lien filings and its 37/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.