Morgan County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Morgan County, Kentucky? DLRadar grades every Morgan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Morgan County breakdown.
- Morgan County's most distressed ZIP is 41219 at 35/100.
- 8 ZIP codes tracked in Morgan County, averaging 29/100 distress.
- Morgan County reads expansion — home values up 5.3% year over year.
- Vacancy runs 17% across Morgan County's tracked ZIPs, with a 22.7% poverty rate.
- The typical Morgan County home is worth about $103,529 against a ~$45,709 median income.
- Lending headwind in Morgan County sits at 57/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 22/100 |
Most distressed ZIP codes in Morgan County (composite distress 0-100, 2026)
What is driving Morgan County distress
Morgan County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 29/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Morgan County market phase and pricing
DLRadar places Morgan County in expansion; prices moved up 5.3% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Morgan County
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Questions about this county
What is the hardest-hit ZIP in Morgan County?
ZIP 41219 leads Morgan County at 35/100, recomputed monthly from public records.
Which phase does Morgan County sit in right now?
Morgan County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Morgan County scores?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 8 ZIP codes in Morgan County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Morgan County ZIP codes?
One county number flattens a wide range. Across the Morgan County ZIPs DLRadar ranks, scores run from 35/100 in 41219 down to 22/100 in 40387, against a Morgan County average of 29/100. A spread of 13 points means Morgan County has to be worked ZIP by ZIP.
What do Morgan County home values and vacancy say about distressed supply?
The typical Morgan County home carries about $103,529 of value against a median household income near $45,709. Vacancy across Morgan County's tracked ZIPs runs 17% and the poverty rate is 22.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Morgan County's foreclosure and tax-lien filings and its 57/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.