Montgomery County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, Kentucky? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 40360 at 26/100.
- 5 ZIP codes tracked in Montgomery County, averaging 21/100 distress.
- Montgomery County reads peak — home values up 4.4% year over year.
- Vacancy runs 14.6% across Montgomery County's tracked ZIPs, with a 22.2% poverty rate.
- The typical Montgomery County home is worth about $174,000 against a ~$56,314 median income.
- Lending headwind in Montgomery County sits at 57/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40360 | 26/100 |
| 2 | 40361 | 22/100 |
| 3 | 40353 | 20/100 |
| 4 | 40337 | 19/100 |
| 5 | 40346 | 18/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Montgomery County's placement in the national index rests on public filings — a 21/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Montgomery County market phase and pricing
DLRadar places Montgomery County in peak; prices moved up 4.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Montgomery County
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Frequently asked
Which part of Montgomery County, KY scores highest for distress?
ZIP 40360 leads Montgomery County at 26/100, recomputed monthly from public records.
Is Montgomery County expanding or contracting?
FHFA price-index movement places Montgomery County in peak; prices are up 4.4% over twelve months.
Can the Montgomery County figures be verified?
Every Montgomery County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 5 Montgomery County ZIP codes that it runs on every other U.S. county, so Montgomery County's numbers are directly comparable to any other market.
How much do distress scores vary between Montgomery County ZIP codes?
Averaging the county conceals how uneven it is. Across the Montgomery County ZIPs DLRadar ranks, scores run from 26/100 in 40360 down to 18/100 in 40346, against a Montgomery County average of 21/100. That 8-point gap is why acquisition targeting in Montgomery County works at ZIP level rather than county level.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $174,000 of value against a median household income near $56,314. Vacancy across Montgomery County's tracked ZIPs runs 14.6% and the poverty rate is 22.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Montgomery County's foreclosure and tax-lien filings and its 57/100 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.