Spencer County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Spencer County, KY distress report, 2026: 8 ZIPs scored in Spencer, KY, Spencer, KY average 25/100; the top Spencer, KY ZIP is 40023 at 33/100; Spencer, KY market phase peak, Spencer, KY prices +3.8% year over year.
- Spencer, KY ranks #2,083 nationally (opportunity index); Spencer, KY #107 in Kentucky; Spencer, KY index 27.4.
- Spencer, KY: no CFPB county sample; Spencer, KY metro area reading 1.1%.
- Spencer, KY ZIP phases: 8 peak.
- Spencer, KY residential listings tracked: 3 across 2 ZIPs; Spencer, KY candidate listings 1.
- Spencer, KY HUD assisted properties: 2 with 47 units.
- Spencer, KY lenders on watch: 1; largest Spencer, KY footprint Peoples Bank (2 branches).
- Spencer, KY most distressed ZIP: 40023 at 33/100.
Spencer, KY figures: DLRadar distress index; Spencer, KY inputs: CFPB, FHFA, HUD, FDIC; Spencer, KY rebuilt as sources refresh.
| Rank | Spencer, KY ZIP | Score |
|---|---|---|
| 1 | 40023 | 33/100 |
| 2 | 40047 | 33/100 |
| 3 | 40013 | 26/100 |
| 4 | 40008 | 25/100 |
| 5 | 40071 | 23/100 |
| 6 | 40046 | 21/100 |
| 7 | 40076 | 20/100 |
| 8 | 40065 | 19/100 |
Most distressed Spencer, KY ZIPs (0-100, 2026)
Mortgage delinquency around Spencer, KY
No CFPB county sample covers Spencer, KY; the metro area reading for Spencer, KY (Louisville/Jefferson County, KY-IN): 1.1% ninety-plus; Spencer, KY area thirty-to-eighty-nine 2.0% (December 2025, Spencer, KY); Kentucky overall 1.0%.
Opportunity index: Spencer, KY
Spencer, KY index 27.4, Spencer, KY phase weak; Spencer, KY primary driver bank institutional, Spencer, KY second driver construction. Spencer, KY components: property stress 20.8, foreclosure pressure 19.5, listing discounts 23.4, bank stress 52.5, insurance 0.0; Spencer, KY pulse 30.4; Spencer, KY capital opportunity 23.0; Spencer, KY seven-day change +1.1%.
ZIP market phases inside Spencer, KY
8 Spencer, KY ZIPs carry a price-cycle phase; Spencer, KY ZIPs by phase (Spencer, KY), deepest drawdown first: peak, +3.8% YoY (Spencer, KY): 40008, 40013, 40023, 40047, Spencer, KY 40065, 40071; peak, +3.9% YoY (Spencer, KY): 40046, 40076.
Residential listings by Spencer, KY ZIP
Spencer, KY ZIPs with the most tracked Spencer, KY residential listings: 40071 3 listings, 1 candidates, bank pressure 53; 40046 0 listings, 0 candidates, bank pressure 53. Spencer, KY totals: 3 listings; Spencer, KY candidates 1; active ZIPs 1.
HUD assisted housing in Spencer, KY
2 assisted properties with 47 units sit in Spencer, KY; largest Spencer, KY properties: Friendship House Taylorsville (Taylorsville) 27 units, 27 assisted; Chapel House - Taylorsville (Taylorsville) 20 units, 20 assisted.
Lenders with branches in Spencer, KY
Spencer, KY lenders by branch count: Peoples Bank (Spencer, KY): stress 55, 2 branches low in Spencer, KY.
Vacancy and permits, Spencer, KY
404 of 7,712 Spencer, KY housing units are vacant; Spencer, KY permits, twelve months: 0 multifamily units in Spencer, KY, 93 one-to-four unit units.
Work Spencer, KY at the parcel level
Every Spencer, KY parcel carries owner and address; every Spencer, KY parcel carries APN; Spencer, KY distress scores sit on the Spencer, KY live board.
Spencer, KY figures refresh with each source.
Spencer, KY questions
Most distressed ZIP code in Spencer County, KY?
ZIP 40023 leads Spencer, KY at 33/100; next in Spencer, KY: 40047 at 33/100; the Spencer, KY average is 25/100.
Where does Spencer County, KY rank for investment opportunity?
Spencer, KY is #2,083 among all ranked counties, #107 in Kentucky; the Spencer, KY driver is bank institutional; Spencer, KY moved up 233 places.
How many mortgages are delinquent in Spencer County, KY?
Spencer, KY takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Spencer, KY.
Which banks lend in Spencer County, KY?
1 watched lenders hold Spencer, KY branches; the largest Spencer, KY footprints are Peoples Bank (2).
More on Spencer, KY
Spencer County, KY distress report: public-record figures for Spencer, KY; not legal advice for Spencer, KY; not tax or investment advice; verify every Spencer, KY record before acting.