Oldham County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oldham County, Kentucky? DLRadar grades every Oldham County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Oldham County breakdown.
- Oldham County's most distressed ZIP is 40241 at 36/100.
- 11 ZIP codes tracked in Oldham County, averaging 30/100 distress.
- Oldham County reads peak — home values up 3.8% year over year.
- Vacancy runs 5.6% across Oldham County's tracked ZIPs, with a 5.3% poverty rate.
- The typical Oldham County home is worth about $390,300 against a ~$116,076 median income.
- Lending headwind in Oldham County sits at 51/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40241 | 36/100 |
| 2 | 40059 | 33/100 |
| 3 | 40245 | 32/100 |
| 4 | 40010 | 30/100 |
| 5 | 40014 | 30/100 |
| 6 | 40026 | 30/100 |
| 7 | 40031 | 30/100 |
| 8 | 40056 | 30/100 |
| 9 | 40077 | 30/100 |
| 10 | 40055 | 23/100 |
| 11 | 40068 | 22/100 |
Most distressed ZIP codes in Oldham County (composite distress 0-100, 2026)
What is driving Oldham County distress
Oldham County's placement in the national index rests on public filings — a 30/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Oldham County market phase and pricing
Phase for Oldham County: peak (+3.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Oldham County
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Frequently asked
What is the most distressed ZIP code in Oldham County, KY?
ZIP 40241 leads Oldham County at 36/100, recomputed monthly from public records.
Where is Oldham County in the housing cycle?
The market phase for Oldham County is peak, prices rising 3.8% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Oldham County numbers?
Oldham County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 11 ZIPs are comparable to anywhere else.
How much do distress scores vary between Oldham County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Oldham County ZIPs DLRadar ranks, scores run from 36/100 in 40241 down to 22/100 in 40068, against a Oldham County average of 30/100. Those 14 points separate the ZIPs worth working in Oldham County from the rest.
What do Oldham County home values and vacancy say about distressed supply?
The typical Oldham County home carries about $390,300 of value against a median household income near $116,076. Vacancy across Oldham County's tracked ZIPs runs 5.6% and the poverty rate is 5.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Oldham County's filings and its 51/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.