Spencer County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Spencer County, Kentucky? DLRadar grades every Spencer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Spencer County breakdown.
- Spencer County's most distressed ZIP is 40047 at 33/100.
- 8 ZIP codes tracked in Spencer County, averaging 24/100 distress.
- Spencer County reads peak — home values up 3.8% year over year.
- Vacancy runs 7.2% across Spencer County's tracked ZIPs, with a 6.8% poverty rate.
- The typical Spencer County home is worth about $294,513 against a ~$89,914 median income.
- Lending headwind in Spencer County sits at 19/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40047 | 33/100 |
| 2 | 40023 | 31/100 |
| 3 | 40013 | 26/100 |
| 4 | 40008 | 25/100 |
| 5 | 40071 | 22/100 |
| 6 | 40046 | 20/100 |
| 7 | 40065 | 19/100 |
| 8 | 40076 | 19/100 |
Most distressed ZIP codes in Spencer County (composite distress 0-100, 2026)
What is driving Spencer County distress
DLRadar builds Spencer County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Spencer County market phase and pricing
DLRadar places Spencer County in peak; prices moved up 3.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Spencer County
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Frequently asked questions
Which Spencer County ZIP scores worst for distress?
ZIP 40047 leads Spencer County at 33/100, recomputed monthly from public records.
Is Spencer County expanding or contracting?
Spencer County currently sits in peak, with values up 3.8% year on year, based on FHFA price-index trajectory.
Where does the Spencer 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 8 Spencer County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Spencer County ZIP codes?
The county figure is a blend, not a description. Across the Spencer County ZIPs DLRadar ranks, scores run from 33/100 in 40047 down to 19/100 in 40076, against a Spencer County average of 24/100. The 14-point range is the argument for ZIP-level search across Spencer County.
What do Spencer County home values and vacancy say about distressed supply?
The typical Spencer County home carries about $294,513 of value against a median household income near $89,914. Vacancy across Spencer County's tracked ZIPs runs 7.2% and the poverty rate is 6.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Spencer County's foreclosure and lien data and its 19/100 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.