Nicholas County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Nicholas County, KY distress report, 2026: 6 ZIPs scored in Nicholas, KY, Nicholas, KY average 21/100; the top Nicholas, KY ZIP is 40361 at 25/100; Nicholas, KY market phase expansion, Nicholas, KY prices +5.3% year over year.
- Nicholas, KY ranks #128 nationally (opportunity index); Nicholas, KY #16 in Kentucky; Nicholas, KY index 36.7.
- Nicholas, KY: no CFPB county sample; Nicholas, KY non-metro area reading 1.1%.
- Nicholas, KY ZIP phases: 5 expansion, 1 neutral.
- Nicholas, KY residential listings tracked: 2 across 2 ZIPs; Nicholas, KY candidate listings 1.
- Nicholas, KY HUD assisted properties: 2 with 68 units.
- Nicholas, KY most distressed ZIP: 40361 at 25/100.
Nicholas, KY figures: DLRadar distress index; Nicholas, KY inputs: CFPB, FHFA, HUD, FDIC; Nicholas, KY rebuilt as sources refresh.
| Rank | Nicholas, KY ZIP | Score |
|---|---|---|
| 1 | 40361 | 25/100 |
| 2 | 41039 | 25/100 |
| 3 | 40374 | 24/100 |
| 4 | 41031 | 22/100 |
| 5 | 40311 | 18/100 |
| 6 | 40350 | 11/100 |
Most distressed Nicholas, KY ZIPs (0-100, 2026)
Mortgage delinquency around Nicholas, KY
No CFPB county sample covers Nicholas, KY; the non-metro area reading for Nicholas, KY: 1.1% ninety-plus; Nicholas, KY area thirty-to-eighty-nine 3.0% (December 2025, Nicholas, KY); Kentucky overall 1.0%.
Opportunity index: Nicholas, KY
Nicholas, KY index 36.7, Nicholas, KY phase strong_buy; Nicholas, KY primary driver vacancy, Nicholas, KY second driver bank institutional. Nicholas, KY components: property stress 27.8, foreclosure pressure 28.4, listing discounts 41.0, bank stress 64.7, insurance 0.0; Nicholas, KY pulse 41.9; Nicholas, KY capital opportunity 29.0; Nicholas, KY seven-day change +1.4%.
ZIP market phases inside Nicholas, KY
6 Nicholas, KY ZIPs carry a price-cycle phase; Nicholas, KY ZIPs by phase (Nicholas, KY), deepest drawdown first: expansion, +5.4% YoY (Nicholas, KY): 40311; expansion, +5.3% YoY (Nicholas, KY): 40350, 41031, 41039; expansion, +5.9% YoY (Nicholas, KY): 40361; neutral, +4.6% YoY (Nicholas, KY): 40374.
Residential listings by Nicholas, KY ZIP
Nicholas, KY ZIPs with the most tracked Nicholas, KY residential listings: 40311 2 listings, 1 candidates, bank pressure 63; 40350 0 listings, 0 candidates, bank pressure 49. Nicholas, KY totals: 2 listings; Nicholas, KY candidates 1; active ZIPs 0.
HUD assisted housing in Nicholas, KY
2 assisted properties with 68 units sit in Nicholas, KY; largest Nicholas, KY properties: Green Valley Apts (Carlisle) 48 units, 47 assisted; Shepherd Place (Carlisle) 20 units, 20 assisted.
Vacancy and permits, Nicholas, KY
557 of 3,333 Nicholas, KY housing units are vacant; Nicholas, KY permits, twelve months: 0 multifamily units in Nicholas, KY, 2 one-to-four unit units.
Work Nicholas, KY at the parcel level
Every Nicholas, KY parcel carries owner and address; every Nicholas, KY parcel carries APN; Nicholas, KY distress scores sit on the Nicholas, KY live board.
Nicholas, KY figures refresh with each source.
Nicholas, KY questions
Most distressed ZIP code in Nicholas County, KY?
ZIP 40361 leads Nicholas, KY at 25/100; next in Nicholas, KY: 41039 at 25/100; the Nicholas, KY average is 21/100.
Where does Nicholas County, KY rank for investment opportunity?
Nicholas, KY is #128 among all ranked counties, #16 in Kentucky; the Nicholas, KY driver is vacancy; Nicholas, KY moved up 24 places.
How many mortgages are delinquent in Nicholas County, KY?
Nicholas, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Nicholas, KY.
More on Nicholas, KY
Nicholas County, KY distress report: public-record figures for Nicholas, KY; not legal advice for Nicholas, KY; not tax or investment advice; verify every Nicholas, KY record before acting.