Montgomery County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montgomery County, KY distress report, 2026: 5 ZIPs scored in Montgomery, KY, Montgomery, KY average 21/100; the top Montgomery, KY ZIP is 40360 at 26/100; Montgomery, KY market phase peak, Montgomery, KY prices +4.4% year over year.
- Montgomery, KY ranks #833 nationally (opportunity index); Montgomery, KY #55 in Kentucky; Montgomery, KY index 31.8.
- Montgomery, KY: no CFPB county sample; Montgomery, KY non-metro area reading 1.1%.
- Montgomery, KY ZIP phases: 3 peak, 1 neutral, 1 expansion.
- Montgomery, KY residential listings tracked: 9 across 2 ZIPs; Montgomery, KY candidate listings 0.
- Montgomery, KY HUD assisted properties: 1 with 3 units.
- Montgomery, KY lenders on watch: 5; largest Montgomery, KY footprint Traditional Bank Inc (5 branches).
- Montgomery, KY most distressed ZIP: 40360 at 26/100.
Montgomery, KY figures: DLRadar distress index; Montgomery, KY inputs: CFPB, FHFA, HUD, FDIC; Montgomery, KY rebuilt as sources refresh.
| Rank | Montgomery, KY ZIP | Score |
|---|---|---|
| 1 | 40360 | 26/100 |
| 2 | 40361 | 26/100 |
| 3 | 40353 | 19/100 |
| 4 | 40337 | 18/100 |
| 5 | 40346 | 17/100 |
Most distressed Montgomery, KY ZIPs (0-100, 2026)
Mortgage delinquency around Montgomery, KY
No CFPB county sample covers Montgomery, KY; the non-metro area reading for Montgomery, KY: 1.1% ninety-plus; Montgomery, KY area thirty-to-eighty-nine 3.0% (December 2025, Montgomery, KY); Kentucky overall 1.0%.
Opportunity index: Montgomery, KY
Montgomery, KY index 31.8, Montgomery, KY phase watchlist; Montgomery, KY primary driver bank institutional, Montgomery, KY second driver vacancy. Montgomery, KY components: property stress 20.1, foreclosure pressure 20.6, listing discounts 39.9, bank stress 61.8, insurance 0.0; Montgomery, KY pulse 34.6; Montgomery, KY capital opportunity 27.6; Montgomery, KY seven-day change +0.3%.
ZIP market phases inside Montgomery, KY
5 Montgomery, KY ZIPs carry a price-cycle phase; Montgomery, KY ZIPs by phase (Montgomery, KY), deepest drawdown first: peak, +4.4% YoY (Montgomery, KY): 40337, 40346, 40360; neutral, +4.5% YoY (Montgomery, KY): 40353; expansion, +5.9% YoY (Montgomery, KY): 40361.
Residential listings by Montgomery, KY ZIP
Montgomery, KY ZIPs with the most tracked Montgomery, KY residential listings: 40353 5 listings, 0 candidates, bank pressure 62; 40337 4 listings, 0 candidates, bank pressure 61. Montgomery, KY totals: 9 listings; Montgomery, KY candidates 0; active ZIPs 2.
HUD assisted housing in Montgomery, KY
1 assisted properties with 3 units sit in Montgomery, KY; largest Montgomery, KY properties: Sterling Oaks (Mount Sterling) 3 units, 3 assisted.
Lenders with branches in Montgomery, KY
Montgomery, KY lenders by branch count: Traditional Bank Inc (Montgomery, KY): stress 71, 5 branches low in Montgomery, KY; Whitaker Bank (Montgomery, KY): stress 57, 3 branches low in Montgomery, KY; Peoples Bank Of Kentucky Inc (Montgomery, KY): stress 77, 1 branch low in Montgomery, KY; Peoples Exchange Bank (Montgomery, KY): stress 66, 1 branch low in Montgomery, KY; Community Trust Bank Inc (Montgomery, KY): stress 47, 1 branch low in Montgomery, KY.
Vacancy and permits, Montgomery, KY
1,226 of 12,231 Montgomery, KY housing units are vacant; Montgomery, KY permits, twelve months: 0 multifamily units in Montgomery, KY, 55 one-to-four unit units.
Work Montgomery, KY at the parcel level
Every Montgomery, KY parcel carries owner and address; every Montgomery, KY parcel carries APN; Montgomery, KY distress scores sit on the Montgomery, KY live board.
Montgomery, KY figures refresh with each source.
Montgomery, KY questions
Most distressed ZIP code in Montgomery County, KY?
ZIP 40360 leads Montgomery, KY at 26/100; next in Montgomery, KY: 40361 at 26/100; the Montgomery, KY average is 21/100.
Where does Montgomery County, KY rank for investment opportunity?
Montgomery, KY is #833 among all ranked counties, #55 in Kentucky; the Montgomery, KY driver is bank institutional; Montgomery, KY moved up 366 places.
How many mortgages are delinquent in Montgomery County, KY?
Montgomery, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Montgomery, KY.
Which banks lend in Montgomery County, KY?
5 watched lenders hold Montgomery, KY branches; the largest Montgomery, KY footprints are Traditional Bank Inc (5), Whitaker Bank (3), Peoples Bank Of Kentucky Inc (1).
More on Montgomery, KY
Montgomery County, KY distress report: public-record figures for Montgomery, KY; not legal advice for Montgomery, KY; not tax or investment advice; verify every Montgomery, KY record before acting.