Pendleton County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pendleton County, KY distress report, 2026: 10 ZIPs scored in Pendleton, KY, Pendleton, KY average 19/100; the top Pendleton, KY ZIP is 41007 at 27/100; Pendleton, KY market phase peak, Pendleton, KY prices +3.5% year over year.
- Pendleton, KY ranks #1,311 nationally (opportunity index); Pendleton, KY #80 in Kentucky; Pendleton, KY index 30.1.
- Pendleton, KY: no CFPB county sample; Pendleton, KY metro area reading 0.8%.
- Pendleton, KY ZIP phases: 9 peak, 1 neutral.
- Pendleton, KY residential listings tracked: 3 across 3 ZIPs; Pendleton, KY candidate listings 2.
- Pendleton, KY HUD assisted properties: 2 with 68 units.
- Pendleton, KY lenders on watch: 1; largest Pendleton, KY footprint Heritage Bank Inc (2 branches).
- Pendleton, KY most distressed ZIP: 41007 at 27/100.
Pendleton, KY figures: DLRadar distress index; Pendleton, KY inputs: CFPB, FHFA, HUD, FDIC; Pendleton, KY rebuilt as sources refresh.
| Rank | Pendleton, KY ZIP | Score |
|---|---|---|
| 1 | 41007 | 27/100 |
| 2 | 41006 | 24/100 |
| 3 | 41033 | 23/100 |
| 4 | 41003 | 21/100 |
| 5 | 41030 | 19/100 |
| 6 | 41040 | 18/100 |
| 7 | 41043 | 16/100 |
| 8 | 41004 | 15/100 |
| 9 | 41097 | 14/100 |
| 10 | 41035 | 13/100 |
Most distressed Pendleton, KY ZIPs (0-100, 2026)
Mortgage delinquency around Pendleton, KY
No CFPB county sample covers Pendleton, KY; the metro area reading for Pendleton, KY (Cincinnati, OH-KY-IN): 0.8% ninety-plus; Pendleton, KY area thirty-to-eighty-nine 2.0% (December 2025, Pendleton, KY); Kentucky overall 1.0%.
Opportunity index: Pendleton, KY
Pendleton, KY index 30.1, Pendleton, KY phase early_signal; Pendleton, KY primary driver vacancy, Pendleton, KY second driver bank institutional. Pendleton, KY components: property stress 22.8, foreclosure pressure 22.5, listing discounts 30.3, bank stress 58.6, insurance 0.0; Pendleton, KY pulse 33.5; Pendleton, KY capital opportunity 25.0; Pendleton, KY seven-day change +0.9%.
ZIP market phases inside Pendleton, KY
10 Pendleton, KY ZIPs carry a price-cycle phase; Pendleton, KY ZIPs by phase (Pendleton, KY), deepest drawdown first: neutral, +4.8% YoY (Pendleton, KY): 41003; peak, +3.6% YoY (Pendleton, KY): 41004; peak, +3.5% YoY (Pendleton, KY): 41006, 41007, 41030, 41033, Pendleton, KY 41035, 41040, 41043, 41097.
Residential listings by Pendleton, KY ZIP
Pendleton, KY ZIPs with the most tracked Pendleton, KY residential listings: 41033 3 listings, 2 candidates, bank pressure 60; 41006 0 listings, 0 candidates, bank pressure 59; 41040 0 listings, 0 candidates, bank pressure 66. Pendleton, KY totals: 3 listings; Pendleton, KY candidates 2; active ZIPs 1.
HUD assisted housing in Pendleton, KY
2 assisted properties with 68 units sit in Pendleton, KY; largest Pendleton, KY properties: Bedford House (Falmouth) 48 units, 48 assisted; Mt. Auburn Apartments (Butler) 20 units, 20 assisted.
Lenders with branches in Pendleton, KY
Pendleton, KY lenders by branch count: Heritage Bank Inc (Pendleton, KY): stress 80, 2 branches low in Pendleton, KY.
Vacancy and permits, Pendleton, KY
857 of 6,299 Pendleton, KY housing units are vacant.
Work Pendleton, KY at the parcel level
Every Pendleton, KY parcel carries owner and address; every Pendleton, KY parcel carries APN; Pendleton, KY distress scores sit on the Pendleton, KY live board.
Pendleton, KY figures refresh with each source.
Pendleton, KY questions
Most distressed ZIP code in Pendleton County, KY?
ZIP 41007 leads Pendleton, KY at 27/100; next in Pendleton, KY: 41006 at 24/100; the Pendleton, KY average is 19/100.
Where does Pendleton County, KY rank for investment opportunity?
Pendleton, KY is #1,311 among all ranked counties, #80 in Kentucky; the Pendleton, KY driver is vacancy; Pendleton, KY moved up 259 places.
How many mortgages are delinquent in Pendleton County, KY?
Pendleton, KY takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Pendleton, KY.
Which banks lend in Pendleton County, KY?
1 watched lenders hold Pendleton, KY branches; the largest Pendleton, KY footprints are Heritage Bank Inc (2).
More on Pendleton, KY
Pendleton County, KY distress report: public-record figures for Pendleton, KY; not legal advice for Pendleton, KY; not tax or investment advice; verify every Pendleton, KY record before acting.