Scott County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Scott County, KY distress report, 2026: 6 ZIPs scored in Scott, KY, Scott, KY average 26/100; the top Scott, KY ZIP is 40511 at 31/100; Scott, KY market phase expansion, Scott, KY prices +5.9% year over year.
- Scott, KY ranks #1,269 nationally (opportunity index); Scott, KY #72 in Kentucky; Scott, KY index 30.2.
- Scott, KY: no CFPB county sample; Scott, KY metro area reading 0.8%.
- Scott, KY ZIP phases: 5 expansion, 1 neutral.
- Scott, KY residential listings tracked: 87 across 3 ZIPs; Scott, KY candidate listings 3.
- Scott, KY HUD assisted properties: 4 with 122 units.
- Scott, KY lenders on watch: 6; largest Scott, KY footprint Whitaker Bank (3 branches).
- Scott, KY most distressed ZIP: 40511 at 31/100.
Scott, KY figures: DLRadar distress index; Scott, KY inputs: CFPB, FHFA, HUD, FDIC; Scott, KY rebuilt as sources refresh.
| Rank | Scott, KY ZIP | Score |
|---|---|---|
| 1 | 40511 | 31/100 |
| 2 | 40379 | 28/100 |
| 3 | 40324 | 27/100 |
| 4 | 40370 | 27/100 |
| 5 | 40347 | 25/100 |
| 6 | 41010 | 17/100 |
Most distressed Scott, KY ZIPs (0-100, 2026)
Mortgage delinquency around Scott, KY
No CFPB county sample covers Scott, KY; the metro area reading for Scott, KY (Lexington-Fayette, KY): 0.8% ninety-plus; Scott, KY area thirty-to-eighty-nine 1.3% (December 2025, Scott, KY); Kentucky overall 1.0%.
Opportunity index: Scott, KY
Scott, KY index 30.2, Scott, KY phase watchlist; Scott, KY primary driver construction, Scott, KY second driver bank institutional. Scott, KY components: property stress 16.2, foreclosure pressure 12.2, listing discounts 40.7, bank stress 50.5, insurance 0.0; Scott, KY pulse 30.6; Scott, KY capital opportunity 29.5; Scott, KY seven-day change +0.3%.
ZIP market phases inside Scott, KY
6 Scott, KY ZIPs carry a price-cycle phase; Scott, KY ZIPs by phase (Scott, KY), deepest drawdown first: expansion, +5.9% YoY (Scott, KY): 40324, 40511; expansion, +5.7% YoY (Scott, KY): 40347, 40370; expansion, +5.8% YoY (Scott, KY): 40379; neutral, +4.5% YoY (Scott, KY): 41010.
Residential listings by Scott, KY ZIP
Scott, KY ZIPs with the most tracked Scott, KY residential listings: 40324 86 listings, 3 candidates, bank pressure 59; 40370 1 listings, 0 candidates, bank pressure 53; 40379 0 listings, 0 candidates, bank pressure 57. Scott, KY totals: 87 listings; Scott, KY candidates 3; active ZIPs 2.
HUD assisted housing in Scott, KY
4 assisted properties with 122 units sit in Scott, KY; largest Scott, KY properties: Windsor Place Apartments (Georgetown) 46 units, 46 assisted; Trinity Apartments (Georgetown) 28 units, 28 assisted; Spring Hill Terrace (Georgetown) 24 units in Scott, KY; Spring View Apts (Stamping Ground) 24 units, 24 assisted.
Lenders with branches in Scott, KY
Scott, KY lenders by branch count: Whitaker Bank (Scott, KY): stress 57, 3 branches low in Scott, KY; Central Bank&Trust Co (Scott, KY): stress 56, 2 branches low in Scott, KY; Stock Yards Bank&Trust Co (Scott, KY): stress 51, 2 branches low in Scott, KY; Community Trust Bank Inc (Scott, KY): stress 47, 2 branches low in Scott, KY; Peoples Exchange Bank (Scott, KY): stress 66, 1 branch low in Scott, KY; Republic Bank&Trust Co (Scott, KY): stress 29, 1 branch low in Scott, KY.
Vacancy and permits, Scott, KY
1,083 of 23,725 Scott, KY housing units are vacant; Scott, KY permits, twelve months: 72 multifamily units in Scott, KY, 271 one-to-four unit units.
Work Scott, KY at the parcel level
Every Scott, KY parcel carries owner and address; every Scott, KY parcel carries APN; Scott, KY distress scores sit on the Scott, KY live board.
Scott, KY figures refresh with each source.
Scott, KY questions
Most distressed ZIP code in Scott County, KY?
ZIP 40511 leads Scott, KY at 31/100; next in Scott, KY: 40379 at 28/100; the Scott, KY average is 26/100.
Where does Scott County, KY rank for investment opportunity?
Scott, KY is #1,269 among all ranked counties, #72 in Kentucky; the Scott, KY driver is construction; Scott, KY moved up 897 places.
How many mortgages are delinquent in Scott County, KY?
Scott, KY takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Scott, KY.
Which banks lend in Scott County, KY?
6 watched lenders hold Scott, KY branches; the largest Scott, KY footprints are Whitaker Bank (3), Central Bank&Trust Co (2), Stock Yards Bank&Trust Co (2).
More on Scott, KY
Scott County, KY distress report: public-record figures for Scott, KY; not legal advice for Scott, KY; not tax or investment advice; verify every Scott, KY record before acting.