Morgan County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Morgan County, KY distress report, 2026: 8 ZIPs scored in Morgan, KY, Morgan, KY average 29/100; the top Morgan, KY ZIP is 41219 at 35/100; Morgan, KY market phase expansion, Morgan, KY prices +5.3% year over year.
- Morgan, KY ranks #246 nationally (opportunity index); Morgan, KY #23 in Kentucky; Morgan, KY index 35.4.
- Morgan, KY: no CFPB county sample; Morgan, KY non-metro area reading 1.1%.
- Morgan, KY ZIP phases: 7 expansion, 1 neutral.
- Morgan, KY residential listings tracked: 2 across 6 ZIPs; Morgan, KY candidate listings 0.
- Morgan, KY HUD assisted properties: 2 with 68 units.
- Morgan, KY lenders on watch: 4; largest Morgan, KY footprint Bank Of The Mountains Inc (3 branches).
- Morgan, KY most distressed ZIP: 41219 at 35/100.
Morgan, KY figures: DLRadar distress index; Morgan, KY inputs: CFPB, FHFA, HUD, FDIC; Morgan, KY rebuilt as sources refresh.
| Rank | Morgan, KY ZIP | Score |
|---|---|---|
| 1 | 41219 | 35/100 |
| 2 | 41352 | 29/100 |
| 3 | 41408 | 29/100 |
| 4 | 41421 | 29/100 |
| 5 | 41425 | 29/100 |
| 6 | 41472 | 29/100 |
| 7 | 41332 | 26/100 |
| 8 | 40387 | 23/100 |
Most distressed Morgan, KY ZIPs (0-100, 2026)
Mortgage delinquency around Morgan, KY
No CFPB county sample covers Morgan, KY; the non-metro area reading for Morgan, KY: 1.1% ninety-plus; Morgan, KY area thirty-to-eighty-nine 3.0% (December 2025, Morgan, KY); Kentucky overall 1.0%.
Opportunity index: Morgan, KY
Morgan, KY index 35.4, Morgan, KY phase peak_opportunity; Morgan, KY primary driver construction, Morgan, KY second driver vacancy. Morgan, KY components: property stress 27.3, foreclosure pressure 26.9, listing discounts 30.0, bank stress 54.5, insurance 0.0; Morgan, KY pulse 41.3; Morgan, KY capital opportunity 26.6; Morgan, KY seven-day change +0.9%.
ZIP market phases inside Morgan, KY
8 Morgan, KY ZIPs carry a price-cycle phase; Morgan, KY ZIPs by phase (Morgan, KY), deepest drawdown first: neutral, +4.6% YoY (Morgan, KY): 40387; expansion, +5.3% YoY (Morgan, KY): 41219, 41332, 41352, 41408, Morgan, KY 41421, 41425, 41472.
Residential listings by Morgan, KY ZIP
Morgan, KY ZIPs with the most tracked Morgan, KY residential listings: 41472 2 listings, 0 candidates, bank pressure 57; 41332 0 listings, 0 candidates, bank pressure 63; 41352 0 listings, 0 candidates, bank pressure 61; 41408 0 listings, 0 candidates, bank pressure 61 (Morgan, KY); 41421 0 listings, 0 candidates, bank pressure 61; 41425 0 listings, 0 candidates, bank pressure 63. Morgan, KY totals: 2 listings; Morgan, KY candidates 0; active ZIPs 1.
HUD assisted housing in Morgan, KY
2 assisted properties with 68 units sit in Morgan, KY; largest Morgan, KY properties: Frederick Place Apartments (West Liberty) 48 units, 48 assisted; West Liberty Apartments (West Liberty) 20 units.
Lenders with branches in Morgan, KY
Morgan, KY lenders by branch count: Bank Of The Mountains Inc (Morgan, KY): stress 78, 3 branches low in Morgan, KY; Commercial Bank (Morgan, KY): stress 66, 2 branches low in Morgan, KY; Citizens Bank (Morgan, KY): stress 54, 1 branch low in Morgan, KY; First Nb Of Grayson (Morgan, KY): stress 47, 1 branch low in Morgan, KY.
Vacancy and permits, Morgan, KY
803 of 5,685 Morgan, KY housing units are vacant.
Work Morgan, KY at the parcel level
Every Morgan, KY parcel carries owner and address; every Morgan, KY parcel carries APN; Morgan, KY distress scores sit on the Morgan, KY live board.
Morgan, KY figures refresh with each source.
Morgan, KY questions
Most distressed ZIP code in Morgan County, KY?
ZIP 41219 leads Morgan, KY at 35/100; next in Morgan, KY: 41352 at 29/100; the Morgan, KY average is 29/100.
Where does Morgan County, KY rank for investment opportunity?
Morgan, KY is #246 among all ranked counties, #23 in Kentucky; the Morgan, KY driver is construction; Morgan, KY moved down 21 places.
How many mortgages are delinquent in Morgan County, KY?
Morgan, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Morgan, KY.
Which banks lend in Morgan County, KY?
4 watched lenders hold Morgan, KY branches; the largest Morgan, KY footprints are Bank Of The Mountains Inc (3), Commercial Bank (2), Citizens Bank (1).
More on Morgan, KY
Morgan County, KY distress report: public-record figures for Morgan, KY; not legal advice for Morgan, KY; not tax or investment advice; verify every Morgan, KY record before acting.