Rowan County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rowan County, Kentucky? DLRadar grades every Rowan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Rowan County breakdown.
- Rowan County's most distressed ZIP is 41049 at 26/100.
- 4 ZIP codes tracked in Rowan County, averaging 25/100 distress.
- Rowan County reads expansion — home values up 5.3% year over year.
- Vacancy runs 15.9% across Rowan County's tracked ZIPs, with a 18.8% poverty rate.
- The typical Rowan County home is worth about $140,450 against a ~$52,828 median income.
- Lending headwind in Rowan County sits at 32/100 — 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 | 41049 | 26/100 |
| 2 | 41164 | 25/100 |
| 3 | 40313 | 24/100 |
| 4 | 40351 | 24/100 |
Most distressed ZIP codes in Rowan County (composite distress 0-100, 2026)
What is driving Rowan County distress
Nothing here is estimated: Rowan County is scored from filings alone, and its ZIPs average 25/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Rowan County market phase and pricing
The cycle in Rowan County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Rowan County
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Questions and answers
Which Rowan County ZIP scores worst for distress?
ZIP 41049 leads Rowan County at 26/100, recomputed monthly from public records.
Which phase does Rowan County sit in right now?
Phase for Rowan County: expansion, tracking a 5.3% gain year over year, read off the FHFA index.
Where does the Rowan County data come from?
Every Rowan County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 4 Rowan County ZIP codes that it runs on every other U.S. county, so Rowan County's numbers are directly comparable to any other market.
How much do distress scores vary between Rowan County ZIP codes?
Averaging the county conceals how uneven it is. Across the Rowan County ZIPs DLRadar ranks, scores run from 26/100 in 41049 down to 24/100 in 40351, against a Rowan County average of 25/100. Because the gap runs to 2 points, Rowan County rewards ZIP-level precision.
What do Rowan County home values and vacancy say about distressed supply?
The typical Rowan County home carries about $140,450 of value against a median household income near $52,828. Vacancy across Rowan County's tracked ZIPs runs 15.9% and the poverty rate is 18.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Rowan County's foreclosure and tax-lien filings and its 32/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.