Kentucky County Foreclosure & Distress Reports (2026)

One report per county — 120 in Kentucky — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Kentucky distress hub; insurance pressure is on the Kentucky home-insurance page.

120 Kentucky county reports sit in this archive; Kentucky opportunity phases run 34 early_signal, 24 weak, 22 peak_opportunity; Kentucky ninety-day delinquency 1.0%; 120 banks chartered in Kentucky; 23,574 HUD-assisted Kentucky units.

Kentucky counties to open first by opportunity rank: Powell (#10, strong_buy); Estill (#16, strong_buy); Clay (#20, strong_buy) in Kentucky; Caldwell (#20, strong_buy); Mccracken (#47, strong_buy); Bath (#52, strong_buy).

Kentucky insurance bands across counties: 75 medium in Kentucky, 23 high, 22 low; Kentucky NFIP claims 2,329 in three years.

Kentucky counties in the expansion phase (69): Adair, Ballard, Bourbon, Boyd, Breathitt, Breckinridge (Kentucky), Caldwell, Carlisle, Carroll, Carter, Casey, Clark (Kentucky), Clinton, Crittenden, Cumberland, Daviess, Elliott, Fayette (Kentucky), Fleming, Fulton, Garrard, Grayson, Greenup, Hancock (Kentucky), Harlan, Harrison, Hart, Hickman, Jackson, Jessamine (Kentucky), Johnson, Knott, Lawrence, Lee, Leslie, Letcher (Kentucky), Lewis, Livingston, Logan, Lyon, Magoffin, Marion (Kentucky), Marshall, Martin, Mason, Mccracken, Mccreary, Mclean (Kentucky), Mercer, Monroe, Morgan, Muhlenberg, Nicholas, Ohio (Kentucky), Owen, Owsley, Perry, Powell, Robertson, Rowan (Kentucky), Russell, Scott, Todd, Trimble, Union, Washington (Kentucky), Wayne, Wolfe, Woodford.

Kentucky counties in the peak phase (49): Allen, Anderson, Barren, Bath, Bell, Boone (Kentucky), Boyle, Bracken, Bullitt, Butler, Calloway, Campbell (Kentucky), Christian, Clay, Edmonson, Estill, Floyd, Franklin (Kentucky), Gallatin, Grant, Graves, Green, Henderson, Henry (Kentucky), Hopkins, Jefferson, Kenton, Knox, Laurel, Lincoln (Kentucky), Madison, Meade, Menifee, Metcalfe, Montgomery, Nelson (Kentucky), Oldham, Pendleton, Pike, Pulaski, Rockcastle, Shelby (Kentucky), Simpson, Spencer, Taylor, Trigg, Warren, Webster (Kentucky), Whitley.

Kentucky counties in the contraction phase (2): Hardin, Larue.

Kentucky permitted 13,701 housing units in twelve months; 208,647 Kentucky units sit vacant of 2,023,116.

Kentucky counties highest on the national opportunity index: Powell #10 (42.9/100, strong_buy); Estill #16 (41.0/100, strong_buy); Clay #20 (40.3/100, strong_buy) in Kentucky; Caldwell #20 (40.3/100, strong_buy); Mccracken #47 (38.6/100, strong_buy); Bath #52 (38.5/100, strong_buy) in Kentucky; Ballard #87 (37.5/100, overheated); Menifee #92 (37.3/100, strong_buy); Clinton #117 (36.9/100, strong_buy) in Kentucky; Crittenden #122 (36.8/100, strong_buy); Livingston #122 (36.8/100, strong_buy); Webster #138 (36.5/100, overheated) in Kentucky.

How the Kentucky county reports are scored: each Kentucky report reads its county's foreclosure filings, Kentucky tax-lien and tax-deed records, FHA mortgage delinquency in Kentucky (ninety-day rate 1.0%, December 2025), the FDIC stress of Kentucky lenders (120 chartered in Kentucky) and FEMA/NFIP pressure on Kentucky (2,329 NFIP claims, three years), then scores every Kentucky ZIP 0-100.

Powell County leads Kentucky on the opportunity index at #10 nationally with 4 scored ZIPs. Every Kentucky report is rebuilt monthly from public records; a Kentucky county whose data lapses keeps its Kentucky page and says so.

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