Pendleton County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Pendleton County, Kentucky? DLRadar grades every Pendleton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Pendleton County breakdown.
- Pendleton County's most distressed ZIP is 41007 at 27/100.
- 10 ZIP codes tracked in Pendleton County, averaging 19/100 distress.
- Pendleton County reads peak — home values up 3.5% year over year.
- Vacancy runs 14% across Pendleton County's tracked ZIPs, with a 12.4% poverty rate.
- The typical Pendleton County home is worth about $202,190 against a ~$71,549 median income.
- Lending headwind in Pendleton County sits at 67/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 41007 | 27/100 |
| 2 | 41006 | 23/100 |
| 3 | 41033 | 23/100 |
| 4 | 41003 | 22/100 |
| 5 | 41030 | 19/100 |
| 6 | 41040 | 18/100 |
| 7 | 41043 | 16/100 |
| 8 | 41004 | 15/100 |
| 9 | 41097 | 15/100 |
| 10 | 41035 | 14/100 |
Most distressed ZIP codes in Pendleton County (composite distress 0-100, 2026)
What is driving Pendleton County distress
DLRadar builds Pendleton County's distress picture only from records anyone can pull; its ZIPs average 19/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Pendleton County market phase and pricing
Phase for Pendleton County: peak (+3.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Pendleton County
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Common questions
Where is distress highest inside Pendleton County, KY?
ZIP 41007 leads Pendleton County at 27/100, recomputed monthly from public records.
Where is Pendleton County in the housing cycle?
FHFA price-index movement places Pendleton County in peak; prices are up 3.5% over twelve months.
What are the sources behind these Pendleton County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 10 Pendleton 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 Pendleton County ZIP codes?
Averaging the county conceals how uneven it is. Across the Pendleton County ZIPs DLRadar ranks, scores run from 27/100 in 41007 down to 14/100 in 41035, against a Pendleton County average of 19/100. That 13-point gap is why acquisition targeting in Pendleton County works at ZIP level rather than county level.
What do Pendleton County home values and vacancy say about distressed supply?
The typical Pendleton County home carries about $202,190 of value against a median household income near $71,549. Vacancy across Pendleton County's tracked ZIPs runs 14% and the poverty rate is 12.4%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Pendleton County's foreclosure and tax-lien filings and its 67/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.