Nicholas County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Nicholas County, Kentucky? DLRadar grades every Nicholas County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Nicholas County breakdown.
- Nicholas County's most distressed ZIP is 41039 at 25/100.
- 6 ZIP codes tracked in Nicholas County, averaging 21/100 distress.
- Nicholas County reads expansion — home values up 5.3% year over year.
- Vacancy runs 9.2% across Nicholas County's tracked ZIPs, with a 16.8% poverty rate.
- The typical Nicholas County home is worth about $161,820 against a ~$57,797 median income.
- Lending headwind in Nicholas County sits at 12/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 41039 | 25/100 |
| 2 | 40374 | 23/100 |
| 3 | 40361 | 22/100 |
| 4 | 41031 | 22/100 |
| 5 | 40350 | 17/100 |
| 6 | 40311 | 16/100 |
Most distressed ZIP codes in Nicholas County (composite distress 0-100, 2026)
What is driving Nicholas County distress
DLRadar builds Nicholas County's distress picture only from records anyone can pull; its ZIPs average 21/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Nicholas County market phase and pricing
Phase for Nicholas County: expansion (+5.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Nicholas County
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Common questions
Which part of Nicholas County, KY scores highest for distress?
ZIP 41039 leads Nicholas County at 25/100, recomputed monthly from public records.
What market phase is Nicholas County in?
Nicholas County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Nicholas County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 6 Nicholas County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Nicholas County ZIP codes?
One county number flattens a wide range. Across the Nicholas County ZIPs DLRadar ranks, scores run from 25/100 in 41039 down to 16/100 in 40311, against a Nicholas County average of 21/100. With 9 points between best and worst, county-level targeting in Nicholas County wastes effort.
What do Nicholas County home values and vacancy say about distressed supply?
The typical Nicholas County home carries about $161,820 of value against a median household income near $57,797. Vacancy across Nicholas County's tracked ZIPs runs 9.2% and the poverty rate is 16.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Nicholas County's foreclosure and tax-lien record and its 12/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.