Owsley County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Owsley County, Kentucky? DLRadar grades every Owsley County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Owsley County breakdown.
- Owsley County's most distressed ZIP is 40447 at 24/100.
- 9 ZIP codes tracked in Owsley County, averaging 15/100 distress.
- Owsley County reads expansion — home values up 5.3% year over year.
- Vacancy runs 19.5% across Owsley County's tracked ZIPs, with a 40.9% poverty rate.
- The typical Owsley County home is worth about $91,920 against a ~$36,360 median income.
- Lending headwind in Owsley County sits at 71/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40447 | 24/100 |
| 2 | 41721 | 24/100 |
| 3 | 41311 | 17/100 |
| 4 | 40983 | 16/100 |
| 5 | 40486 | 14/100 |
| 6 | 41314 | 14/100 |
| 7 | 41351 | 10/100 |
| 8 | 41364 | 10/100 |
| 9 | 41386 | 10/100 |
Most distressed ZIP codes in Owsley County (composite distress 0-100, 2026)
What is driving Owsley County distress
DLRadar builds Owsley County's distress picture only from records anyone can pull; its ZIPs average 15/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Owsley County market phase and pricing
Phase for Owsley County: expansion (+5.3% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Owsley County
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Questions about this county
Which Owsley County ZIP scores worst for distress?
ZIP 40447 leads Owsley County at 24/100, recomputed monthly from public records.
How would you describe the Owsley County market phase?
Owsley County currently sits in expansion, with values up 5.3% year on year, based on FHFA price-index trajectory.
Where does the Owsley County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 9 Owsley 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 Owsley County ZIP codes?
A single county score papers over real variation. Across the Owsley County ZIPs DLRadar ranks, scores run from 24/100 in 40447 down to 10/100 in 41386, against a Owsley County average of 15/100. That 14-point gap is why acquisition targeting in Owsley County works at ZIP level rather than county level.
What do Owsley County home values and vacancy say about distressed supply?
The typical Owsley County home carries about $91,920 of value against a median household income near $36,360. Vacancy across Owsley County's tracked ZIPs runs 19.5% and the poverty rate is 40.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Owsley County's foreclosure and tax-lien filings and its 71/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.