Nelson County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Nelson County, Kentucky? DLRadar grades every Nelson County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Nelson County breakdown.
- Nelson County's most distressed ZIP is 40004 at 26/100.
- 9 ZIP codes tracked in Nelson County, averaging 24/100 distress.
- Nelson County reads peak — home values up 3.8% year over year.
- Vacancy runs 7.3% across Nelson County's tracked ZIPs, with a 9.5% poverty rate.
- The typical Nelson County home is worth about $226,114 against a ~$69,863 median income.
- Lending headwind in Nelson County sits at 17/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40004 | 26/100 |
| 2 | 40013 | 26/100 |
| 3 | 40020 | 26/100 |
| 4 | 40107 | 26/100 |
| 5 | 40008 | 25/100 |
| 6 | 40012 | 25/100 |
| 7 | 40051 | 24/100 |
| 8 | 40052 | 19/100 |
| 9 | 40037 | 15/100 |
Most distressed ZIP codes in Nelson County (composite distress 0-100, 2026)
What is driving Nelson County distress
DLRadar builds Nelson County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Nelson County market phase and pricing
The cycle in Nelson County is peak, with values up 3.8% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Nelson County
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Questions about this county
Which part of Nelson County, KY scores highest for distress?
ZIP 40004 leads Nelson County at 26/100, recomputed monthly from public records.
What market phase is Nelson County in?
Nelson County currently sits in peak, with values up 3.8% year on year, based on FHFA price-index trajectory.
What is this Nelson County analysis built from?
Each Nelson County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 9 local ZIPs and every other county in the country.
How much do distress scores vary between Nelson County ZIP codes?
Averaging the county conceals how uneven it is. Across the Nelson County ZIPs DLRadar ranks, scores run from 26/100 in 40004 down to 15/100 in 40037, against a Nelson County average of 24/100. The 11-point range is the argument for ZIP-level search across Nelson County.
What do Nelson County home values and vacancy say about distressed supply?
The typical Nelson County home carries about $226,114 of value against a median household income near $69,863. Vacancy across Nelson County's tracked ZIPs runs 7.3% and the poverty rate is 9.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Nelson County's foreclosure and tax-lien record and its 17/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.