Nelson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Nelson County, KY distress report, 2026: 9 ZIPs scored in Nelson, KY, Nelson, KY average 23/100; the top Nelson, KY ZIP is 40013 at 26/100; Nelson, KY market phase peak, Nelson, KY prices +3.8% year over year.
- Nelson, KY ranks #2,616 nationally (opportunity index); Nelson, KY #115 in Kentucky; Nelson, KY index 25.3.
- Nelson, KY: no CFPB county sample; Nelson, KY metro area reading 1.1%.
- Nelson, KY ZIP phases: 8 peak, 1 expansion.
- Nelson, KY residential listings tracked: 8 across 8 ZIPs; Nelson, KY candidate listings 4.
- Nelson, KY HUD assisted properties: 6 with 145 units.
- Nelson, KY lenders on watch: 4; largest Nelson, KY footprint Wilson&Muir Bank&Trust Co (5 branches).
- Nelson, KY most distressed ZIP: 40013 at 26/100.
Nelson, KY figures: DLRadar distress index; Nelson, KY inputs: CFPB, FHFA, HUD, FDIC; Nelson, KY rebuilt as sources refresh.
| Rank | Nelson, KY ZIP | Score |
|---|---|---|
| 1 | 40013 | 26/100 |
| 2 | 40004 | 25/100 |
| 3 | 40008 | 25/100 |
| 4 | 40012 | 25/100 |
| 5 | 40020 | 25/100 |
| 6 | 40107 | 25/100 |
| 7 | 40051 | 22/100 |
| 8 | 40052 | 19/100 |
| 9 | 40037 | 15/100 |
Most distressed Nelson, KY ZIPs (0-100, 2026)
Mortgage delinquency around Nelson, KY
No CFPB county sample covers Nelson, KY; the metro area reading for Nelson, KY (Louisville/Jefferson County, KY-IN): 1.1% ninety-plus; Nelson, KY area thirty-to-eighty-nine 2.0% (December 2025, Nelson, KY); Kentucky overall 1.0%.
Opportunity index: Nelson, KY
Nelson, KY index 25.3, Nelson, KY phase weak; Nelson, KY primary driver bank institutional, Nelson, KY second driver construction. Nelson, KY components: property stress 17.4, foreclosure pressure 14.9, listing discounts 25.0, bank stress 46.6, insurance 0.0; Nelson, KY pulse 26.1; Nelson, KY capital opportunity 24.2.
ZIP market phases inside Nelson, KY
9 Nelson, KY ZIPs carry a price-cycle phase; Nelson, KY ZIPs by phase (Nelson, KY), deepest drawdown first: peak, +2.3% YoY, 0.7% off peak (Nelson, KY): 40052; peak, +2.2% YoY, 0.6% off peak (Nelson, KY): 40051; peak, +3.8% YoY (Nelson, KY): 40004, 40008, 40013, 40020, Nelson, KY 40107; peak, +3.9% YoY (Nelson, KY): 40012; expansion, +5.1% YoY (Nelson, KY): 40037.
Residential listings by Nelson, KY ZIP
Nelson, KY ZIPs with the most tracked Nelson, KY residential listings: 40004 3 listings, 1 candidates, bank pressure 51; 40008 3 listings, 2 candidates, bank pressure 51; 40051 2 listings, 1 candidates, bank pressure 56; 40012 0 listings, 0 candidates, bank pressure 50 (Nelson, KY); 40013 0 listings, 0 candidates, bank pressure 51; 40020 0 listings, 0 candidates, bank pressure 51; 40052 0 listings, 0 candidates, bank pressure 59; 40107 0 listings, 0 candidates, bank pressure 51. Nelson, KY totals: 8 listings; Nelson, KY candidates 4; active ZIPs 3.
HUD assisted housing in Nelson, KY
6 assisted properties with 145 units sit in Nelson, KY; largest Nelson, KY properties: Bardstown Village Apts (Bardstown) 64 units, 64 assisted; Rolling Ridge Apartments (New Haven) 32 units, 32 assisted; Hometown Apartments (New Haven) 20 units, 20 assisted in Nelson, KY; Perkins Place Apartments (Bardstown) 11 units, 10 assisted; Ashberry Terrace Apts. (Bardstown) 10 units, 10 assisted; Brauchview Apartments (Bardstown) 8 units, 8 assisted.
Lenders with branches in Nelson, KY
Nelson, KY lenders by branch count: Wilson&Muir Bank&Trust Co (Nelson, KY): stress 50, 5 branches low in Nelson, KY; Town&Country Bank&Trust Co (Nelson, KY): stress 54, 4 branches low in Nelson, KY; Stock Yards Bank&Trust Co (Nelson, KY): stress 51, 2 branches low in Nelson, KY; Lincoln Nb Of Hodgenville (Nelson, KY): stress 47, 2 branches low in Nelson, KY.
Vacancy and permits, Nelson, KY
1,180 of 20,330 Nelson, KY housing units are vacant; Nelson, KY permits, twelve months: 58 multifamily units in Nelson, KY, 187 one-to-four unit units.
Work Nelson, KY at the parcel level
Every Nelson, KY parcel carries owner and address; every Nelson, KY parcel carries APN; Nelson, KY distress scores sit on the Nelson, KY live board.
Nelson, KY figures refresh with each source.
Nelson, KY questions
Most distressed ZIP code in Nelson County, KY?
ZIP 40013 leads Nelson, KY at 26/100; next in Nelson, KY: 40004 at 25/100; the Nelson, KY average is 23/100.
Where does Nelson County, KY rank for investment opportunity?
Nelson, KY is #2,616 among all ranked counties, #115 in Kentucky; the Nelson, KY driver is bank institutional; Nelson, KY moved up 335 places.
How many mortgages are delinquent in Nelson County, KY?
Nelson, KY takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Nelson, KY.
Which banks lend in Nelson County, KY?
4 watched lenders hold Nelson, KY branches; the largest Nelson, KY footprints are Wilson&Muir Bank&Trust Co (5), Town&Country Bank&Trust Co (4), Stock Yards Bank&Trust Co (2).
More on Nelson, KY
Nelson County, KY distress report: public-record figures for Nelson, KY; not legal advice for Nelson, KY; not tax or investment advice; verify every Nelson, KY record before acting.