Rowan County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Rowan County, KY distress report, 2026: 4 ZIPs scored in Rowan, KY, Rowan, KY average 25/100; the top Rowan, KY ZIP is 40313 at 28/100; Rowan, KY market phase expansion, Rowan, KY prices +5.3% year over year.
- Rowan, KY ranks #642 nationally (opportunity index); Rowan, KY #42 in Kentucky; Rowan, KY index 32.7.
- Rowan, KY: no CFPB county sample; Rowan, KY non-metro area reading 1.1%.
- Rowan, KY ZIP phases: 4 expansion.
- Rowan, KY residential listings tracked: 8 across 2 ZIPs; Rowan, KY candidate listings 2.
- Rowan, KY HUD assisted properties: 2 with 51 units.
- Rowan, KY lenders on watch: 6; largest Rowan, KY footprint Whitaker Bank (2 branches).
- Rowan, KY most distressed ZIP: 40313 at 28/100.
Rowan, KY figures: DLRadar distress index; Rowan, KY inputs: CFPB, FHFA, HUD, FDIC; Rowan, KY rebuilt as sources refresh.
| Rank | Rowan, KY ZIP | Score |
|---|---|---|
| 1 | 40313 | 28/100 |
| 2 | 40351 | 27/100 |
| 3 | 41049 | 26/100 |
| 4 | 41164 | 19/100 |
Most distressed Rowan, KY ZIPs (0-100, 2026)
Mortgage delinquency around Rowan, KY
No CFPB county sample covers Rowan, KY; the non-metro area reading for Rowan, KY: 1.1% ninety-plus; Rowan, KY area thirty-to-eighty-nine 3.0% (December 2025, Rowan, KY); Kentucky overall 1.0%.
Opportunity index: Rowan, KY
Rowan, KY index 32.7, Rowan, KY phase peak_opportunity; Rowan, KY primary driver construction, Rowan, KY second driver vacancy. Rowan, KY components: property stress 21.0, foreclosure pressure 19.3, listing discounts 40.0, bank stress 49.6, insurance 0.0; Rowan, KY pulse 34.3; Rowan, KY capital opportunity 30.3; Rowan, KY seven-day change +0.3%.
ZIP market phases inside Rowan, KY
4 Rowan, KY ZIPs carry a price-cycle phase; Rowan, KY ZIPs by phase (Rowan, KY), deepest drawdown first: expansion, +5.3% YoY (Rowan, KY): 40313, 40351, 41049; expansion, +6.8% YoY (Rowan, KY): 41164.
Residential listings by Rowan, KY ZIP
Rowan, KY ZIPs with the most tracked Rowan, KY residential listings: 40351 7 listings, 1 candidates, bank pressure 56; 40313 1 listings, 1 candidates, bank pressure 56. Rowan, KY totals: 8 listings; Rowan, KY candidates 2; active ZIPs 2.
HUD assisted housing in Rowan, KY
2 assisted properties with 51 units sit in Rowan, KY; largest Rowan, KY properties: Pine Ridge Apartments (Morehead) 48 units, 48 assisted; Rhp, Inc. (Morehead) 3 units, 3 assisted.
Lenders with branches in Rowan, KY
Rowan, KY lenders by branch count: Whitaker Bank (Rowan, KY): stress 57, 2 branches low in Rowan, KY; Citizens Bank (Rowan, KY): stress 54, 2 branches low in Rowan, KY; Stock Yards Bank&Trust Co (Rowan, KY): stress 51, 2 branches low in Rowan, KY; Peoples Bank Of Kentucky Inc (Rowan, KY): stress 77, 1 branch low in Rowan, KY; First Nb Of Grayson (Rowan, KY): stress 47, 1 branch low in Rowan, KY; First Fs&La (Rowan, KY): stress 40, 1 branch low in Rowan, KY.
Vacancy and permits, Rowan, KY
1,031 of 10,623 Rowan, KY housing units are vacant; Rowan, KY permits, twelve months: 20 multifamily units in Rowan, KY, 5 one-to-four unit units.
Work Rowan, KY at the parcel level
Every Rowan, KY parcel carries owner and address; every Rowan, KY parcel carries APN; Rowan, KY distress scores sit on the Rowan, KY live board.
Rowan, KY figures refresh with each source.
Rowan, KY questions
Most distressed ZIP code in Rowan County, KY?
ZIP 40313 leads Rowan, KY at 28/100; next in Rowan, KY: 40351 at 27/100; the Rowan, KY average is 25/100.
Where does Rowan County, KY rank for investment opportunity?
Rowan, KY is #642 among all ranked counties, #42 in Kentucky; the Rowan, KY driver is construction; Rowan, KY moved up 640 places.
How many mortgages are delinquent in Rowan County, KY?
Rowan, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Rowan, KY.
Which banks lend in Rowan County, KY?
6 watched lenders hold Rowan, KY branches; the largest Rowan, KY footprints are Whitaker Bank (2), Citizens Bank (2), Stock Yards Bank&Trust Co (2).
More on Rowan, KY
Rowan County, KY distress report: public-record figures for Rowan, KY; not legal advice for Rowan, KY; not tax or investment advice; verify every Rowan, KY record before acting.