Scott County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Scott County, Kentucky? DLRadar grades every Scott County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Scott County breakdown.
- Scott County's most distressed ZIP is 40511 at 31/100.
- 6 ZIP codes tracked in Scott County, averaging 27/100 distress.
- Scott County reads expansion — home values up 5.9% year over year.
- Vacancy runs 9.7% across Scott County's tracked ZIPs, with a 12.6% poverty rate.
- The typical Scott County home is worth about $265,067 against a ~$80,198 median income.
- Lending headwind in Scott County sits at 26/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40511 | 31/100 |
| 2 | 40324 | 28/100 |
| 3 | 40370 | 28/100 |
| 4 | 40379 | 28/100 |
| 5 | 40347 | 27/100 |
| 6 | 41010 | 19/100 |
Most distressed ZIP codes in Scott County (composite distress 0-100, 2026)
What is driving Scott County distress
The Scott County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 27/100 ZIP average. No proprietary or modelled inputs enter the score.
Scott County market phase and pricing
Phase for Scott County: expansion (+5.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Scott County
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Frequently asked
Which part of Scott County, KY scores highest for distress?
ZIP 40511 leads Scott County at 31/100, recomputed monthly from public records.
What stage of the price cycle is Scott County at?
The market phase for Scott County is expansion, prices rising 5.9% on the year — derived from the FHFA House Price Index path.
Where does the Scott County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 6 Scott County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Scott County ZIP codes?
The county figure is a blend, not a description. Across the Scott County ZIPs DLRadar ranks, scores run from 31/100 in 40511 down to 19/100 in 41010, against a Scott County average of 27/100. With 12 points between best and worst, county-level targeting in Scott County wastes effort.
What do Scott County home values and vacancy say about distressed supply?
The typical Scott County home carries about $265,067 of value against a median household income near $80,198. Vacancy across Scott County's tracked ZIPs runs 9.7% and the poverty rate is 12.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Scott County's foreclosure and tax-lien record and its 26/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.