Todd County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Todd County, KY distress report, 2026: 9 ZIPs scored in Todd, KY, Todd, KY average 23/100; the top Todd, KY ZIP is 42266 at 31/100; Todd, KY market phase expansion, Todd, KY prices +5.3% year over year.
- Todd, KY ranks #748 nationally (opportunity index); Todd, KY #59 in Kentucky; Todd, KY index 32.2.
- Todd, KY: no CFPB county sample; Todd, KY non-metro area reading 1.1%.
- Todd, KY ZIP phases: 7 expansion, 1 neutral, 1 peak.
- Todd, KY residential listings tracked: 6 across 5 ZIPs; Todd, KY candidate listings 0.
- Todd, KY HUD assisted properties: 1 with 48 units.
- Todd, KY lenders on watch: 2; largest Todd, KY footprint Elkton Bank&Trust Co (4 branches).
- Todd, KY most distressed ZIP: 42266 at 31/100.
Todd, KY figures: DLRadar distress index; Todd, KY inputs: CFPB, FHFA, HUD, FDIC; Todd, KY rebuilt as sources refresh.
| Rank | Todd, KY ZIP | Score |
|---|---|---|
| 1 | 42266 | 31/100 |
| 2 | 42256 | 23/100 |
| 3 | 42265 | 23/100 |
| 4 | 42204 | 22/100 |
| 5 | 42220 | 22/100 |
| 6 | 42234 | 22/100 |
| 7 | 42280 | 22/100 |
| 8 | 42286 | 22/100 |
| 9 | 42345 | 20/100 |
Most distressed Todd, KY ZIPs (0-100, 2026)
Mortgage delinquency around Todd, KY
No CFPB county sample covers Todd, KY; the non-metro area reading for Todd, KY: 1.1% ninety-plus; Todd, KY area thirty-to-eighty-nine 3.0% (December 2025, Todd, KY); Kentucky overall 1.0%.
Opportunity index: Todd, KY
Todd, KY index 32.2, Todd, KY phase watchlist; Todd, KY primary driver vacancy, Todd, KY second driver bank institutional. Todd, KY components: property stress 25.7, foreclosure pressure 25.8, listing discounts 28.6, bank stress 61.7, insurance 0.0; Todd, KY pulse 37.5; Todd, KY capital opportunity 24.2; Todd, KY seven-day change +1.1%.
ZIP market phases inside Todd, KY
9 Todd, KY ZIPs carry a price-cycle phase; Todd, KY ZIPs by phase (Todd, KY), deepest drawdown first: peak, +2.3% YoY, 2.2% off peak (Todd, KY): 42266; expansion, +5.1% YoY, 0.1% off peak (Todd, KY): 42286; neutral, +4.5% YoY, 0.1% off peak (Todd, KY): 42256; expansion, +5.3% YoY, 0.0% off peak (Todd, KY): 42220; expansion, +5.3% YoY (Todd, KY): 42204, 42234, 42265, 42280, Todd, KY 42345.
Residential listings by Todd, KY ZIP
Todd, KY ZIPs with the most tracked Todd, KY residential listings: 42220 5 listings, 0 candidates, bank pressure 64; 42286 1 listings, 0 candidates, bank pressure 63; 42204 0 listings, 0 candidates, bank pressure 63; 42234 0 listings, 0 candidates, bank pressure 59 (Todd, KY); 42280 0 listings, 0 candidates, bank pressure 59. Todd, KY totals: 6 listings; Todd, KY candidates 0; active ZIPs 1.
HUD assisted housing in Todd, KY
1 assisted properties with 48 units sit in Todd, KY; largest Todd, KY properties: Royal Arms Apartments (Elkton) 48 units, 48 assisted.
Lenders with branches in Todd, KY
Todd, KY lenders by branch count: Elkton Bank&Trust Co (Todd, KY): stress 64, 4 branches low in Todd, KY; United Southern Bank (Todd, KY): stress 54, 2 branches low in Todd, KY.
Vacancy and permits, Todd, KY
628 of 5,187 Todd, KY housing units are vacant; Todd, KY permits, twelve months: 0 multifamily units in Todd, KY, 39 one-to-four unit units.
Work Todd, KY at the parcel level
Every Todd, KY parcel carries owner and address; every Todd, KY parcel carries APN; Todd, KY distress scores sit on the Todd, KY live board.
Todd, KY figures refresh with each source.
Todd, KY questions
Most distressed ZIP code in Todd County, KY?
ZIP 42266 leads Todd, KY at 31/100; next in Todd, KY: 42256 at 23/100; the Todd, KY average is 23/100.
Where does Todd County, KY rank for investment opportunity?
Todd, KY is #748 among all ranked counties, #59 in Kentucky; the Todd, KY driver is vacancy; Todd, KY moved down 64 places.
How many mortgages are delinquent in Todd County, KY?
Todd, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Todd, KY.
Which banks lend in Todd County, KY?
2 watched lenders hold Todd, KY branches; the largest Todd, KY footprints are Elkton Bank&Trust Co (4), United Southern Bank (2).
More on Todd, KY
Todd County, KY distress report: public-record figures for Todd, KY; not legal advice for Todd, KY; not tax or investment advice; verify every Todd, KY record before acting.