Oldham County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Oldham County, KY distress report, 2026: 11 ZIPs scored in Oldham, KY, Oldham, KY average 31/100; the top Oldham, KY ZIP is 40241 at 38/100; Oldham, KY market phase peak, Oldham, KY prices +3.8% year over year.
- Oldham, KY ranks #2,996 nationally (opportunity index); Oldham, KY #120 in Kentucky; Oldham, KY index 23.2.
- Oldham, KY: no CFPB county sample; Oldham, KY metro area reading 1.1%.
- Oldham, KY ZIP phases: 11 peak.
- Oldham, KY residential listings tracked: 0 across 7 ZIPs; Oldham, KY candidate listings 0.
- Oldham, KY HUD assisted properties: 3 with 65 units.
- Oldham, KY lenders on watch: 5; largest Oldham, KY footprint Stock Yards Bank&Trust Co (3 branches).
- Oldham, KY most distressed ZIP: 40241 at 38/100.
Oldham, KY figures: DLRadar distress index; Oldham, KY inputs: CFPB, FHFA, HUD, FDIC; Oldham, KY rebuilt as sources refresh.
| Rank | Oldham, KY ZIP | Score |
|---|---|---|
| 1 | 40241 | 38/100 |
| 2 | 40059 | 34/100 |
| 3 | 40245 | 34/100 |
| 4 | 40010 | 31/100 |
| 5 | 40014 | 31/100 |
| 6 | 40026 | 31/100 |
| 7 | 40056 | 31/100 |
| 8 | 40077 | 31/100 |
| 9 | 40031 | 30/100 |
| 10 | 40055 | 23/100 |
| 11 | 40068 | 22/100 |
Most distressed Oldham, KY ZIPs (0-100, 2026)
Mortgage delinquency around Oldham, KY
No CFPB county sample covers Oldham, KY; the metro area reading for Oldham, KY (Louisville/Jefferson County, KY-IN): 1.1% ninety-plus; Oldham, KY area thirty-to-eighty-nine 2.0% (December 2025, Oldham, KY); Kentucky overall 1.0%.
Opportunity index: Oldham, KY
Oldham, KY index 23.2, Oldham, KY phase weak; Oldham, KY primary driver construction, Oldham, KY second driver bank institutional. Oldham, KY components: property stress 16.0, foreclosure pressure 13.1, listing discounts 6.9, bank stress 53.3, insurance 0.0; Oldham, KY pulse 28.5; Oldham, KY capital opportunity 15.3; Oldham, KY seven-day change -0.2%.
ZIP market phases inside Oldham, KY
11 Oldham, KY ZIPs carry a price-cycle phase; Oldham, KY ZIPs by phase (Oldham, KY), deepest drawdown first: peak, +3.8% YoY (Oldham, KY): 40010, 40014, 40026, 40031, Oldham, KY 40056, 40059, 40068, 40077, Oldham, KY 40241, 40245; peak, +4.5% YoY (Oldham, KY): 40055.
Residential listings by Oldham, KY ZIP
Oldham, KY ZIPs with the most tracked Oldham, KY residential listings: 40010 0 listings, 0 candidates, bank pressure 61; 40014 0 listings, 0 candidates, bank pressure 60; 40026 0 listings, 0 candidates, bank pressure 61; 40031 0 listings, 0 candidates, bank pressure 61 (Oldham, KY); 40056 0 listings, 0 candidates, bank pressure 61; 40059 0 listings, 0 candidates, bank pressure 60; 40077 0 listings, 0 candidates, bank pressure 61. Oldham, KY totals: 0 listings; Oldham, KY candidates 0; active ZIPs 0.
HUD assisted housing in Oldham, KY
3 assisted properties with 65 units sit in Oldham, KY; largest Oldham, KY properties: Shepherd Of The Valley Lutheran Community (La Grange) 50 units, 49 assisted; Cedar Lake L'Esprit (La Grange) 9 units, 9 assisted; Cedar Lake - Cherrywood (La Grange) 6 units, 6 assisted in Oldham, KY.
Lenders with branches in Oldham, KY
Oldham, KY lenders by branch count: Stock Yards Bank&Trust Co (Oldham, KY): stress 51, 3 branches low in Oldham, KY; Farmers Bank Of Milton (Oldham, KY): stress 78, 2 branches low in Oldham, KY; United Citizens B&T Co (Oldham, KY): stress 71, 1 branch low in Oldham, KY; Bedford Loan&Deposit Bank (Oldham, KY): stress 63, 1 branch low in Oldham, KY; First Nb Of Kentucky (Oldham, KY): stress 59, 1 branch low in Oldham, KY.
Vacancy and permits, Oldham, KY
812 of 23,837 Oldham, KY housing units are vacant; Oldham, KY permits, twelve months: 0 multifamily units in Oldham, KY, 259 one-to-four unit units.
Work Oldham, KY at the parcel level
Every Oldham, KY parcel carries owner and address; every Oldham, KY parcel carries APN; Oldham, KY distress scores sit on the Oldham, KY live board.
Oldham, KY figures refresh with each source.
Oldham, KY questions
Most distressed ZIP code in Oldham County, KY?
ZIP 40241 leads Oldham, KY at 38/100; next in Oldham, KY: 40059 at 34/100; the Oldham, KY average is 31/100.
Where does Oldham County, KY rank for investment opportunity?
Oldham, KY is #2,996 among all ranked counties, #120 in Kentucky; the Oldham, KY driver is construction; Oldham, KY moved down 384 places.
How many mortgages are delinquent in Oldham County, KY?
Oldham, KY takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Oldham, KY.
Which banks lend in Oldham County, KY?
5 watched lenders hold Oldham, KY branches; the largest Oldham, KY footprints are Stock Yards Bank&Trust Co (3), Farmers Bank Of Milton (2), United Citizens B&T Co (1).
More on Oldham, KY
Oldham County, KY distress report: public-record figures for Oldham, KY; not legal advice for Oldham, KY; not tax or investment advice; verify every Oldham, KY record before acting.