Metcalfe County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Metcalfe County, Kentucky? DLRadar grades every Metcalfe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Metcalfe County breakdown.
- Metcalfe County's most distressed ZIP is 42214 at 21/100.
- 10 ZIP codes tracked in Metcalfe County, averaging 17/100 distress.
- Metcalfe County reads peak — home values up 4.4% year over year.
- Vacancy runs 16.6% across Metcalfe County's tracked ZIPs, with a 21.3% poverty rate.
- The typical Metcalfe County home is worth about $140,311 against a ~$48,123 median income.
- Lending headwind in Metcalfe County sits at 0/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42214 | 21/100 |
| 2 | 42715 | 21/100 |
| 3 | 42728 | 21/100 |
| 4 | 42129 | 20/100 |
| 5 | 42154 | 19/100 |
| 6 | 42166 | 19/100 |
| 7 | 42746 | 15/100 |
| 8 | 42749 | 15/100 |
| 9 | 42124 | 11/100 |
| 10 | 42167 | 11/100 |
Most distressed ZIP codes in Metcalfe County (composite distress 0-100, 2026)
What is driving Metcalfe County distress
DLRadar builds Metcalfe County's distress picture only from records anyone can pull; its ZIPs average 17/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Metcalfe County market phase and pricing
The cycle in Metcalfe County is peak, with values up 4.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Metcalfe County
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Frequently asked questions
What is the most distressed ZIP code in Metcalfe County, KY?
ZIP 42214 leads Metcalfe County at 21/100, recomputed monthly from public records.
Where is Metcalfe County in the housing cycle?
Metcalfe County is classified peak with a 4.4% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Metcalfe County scores?
Metcalfe County draws on FHFA (peak 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 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Metcalfe County ZIP codes?
The county figure is a blend, not a description. Across the Metcalfe County ZIPs DLRadar ranks, scores run from 21/100 in 42214 down to 11/100 in 42167, against a Metcalfe County average of 17/100. A spread of 10 points means Metcalfe County has to be worked ZIP by ZIP.
What do Metcalfe County home values and vacancy say about distressed supply?
The typical Metcalfe County home carries about $140,311 of value against a median household income near $48,123. Vacancy across Metcalfe County's tracked ZIPs runs 16.6% and the poverty rate is 21.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Metcalfe County's foreclosure and tax-lien record and its 0/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.