Rockcastle County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rockcastle County, Kentucky? DLRadar grades every Rockcastle County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Rockcastle County breakdown.
- Rockcastle County's most distressed ZIP is 40403 at 25/100.
- 7 ZIP codes tracked in Rockcastle County, averaging 22/100 distress.
- Rockcastle County reads peak — home values up 4.4% year over year.
- Vacancy runs 14% across Rockcastle County's tracked ZIPs, with a 29.8% poverty rate.
- The typical Rockcastle County home is worth about $123,257 against a ~$51,338 median income.
- Lending headwind in Rockcastle County sits at 28/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40403 | 25/100 |
| 2 | 40447 | 24/100 |
| 3 | 40409 | 23/100 |
| 4 | 40419 | 23/100 |
| 5 | 40445 | 19/100 |
| 6 | 40456 | 19/100 |
| 7 | 40460 | 19/100 |
Most distressed ZIP codes in Rockcastle County (composite distress 0-100, 2026)
What is driving Rockcastle County distress
Rockcastle County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Rockcastle County market phase and pricing
Rockcastle County reads peak — home prices rose 4.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
Where is distress highest inside Rockcastle County, KY?
ZIP 40403 leads Rockcastle County at 25/100, recomputed monthly from public records.
Where is Rockcastle County in the housing cycle?
Rockcastle County reads peak, with home prices up 4.4% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Rockcastle County scores?
Rockcastle 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 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Rockcastle County ZIP codes?
One county number flattens a wide range. Across the Rockcastle County ZIPs DLRadar ranks, scores run from 25/100 in 40403 down to 19/100 in 40460, against a Rockcastle County average of 22/100. The 6-point range is the argument for ZIP-level search across Rockcastle County.
What do Rockcastle County home values and vacancy say about distressed supply?
The typical Rockcastle County home carries about $123,257 of value against a median household income near $51,338. Vacancy across Rockcastle County's tracked ZIPs runs 14% and the poverty rate is 29.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Rockcastle County's foreclosure and tax-lien filings and its 28/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.