Union County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Union County, Kentucky? DLRadar grades every Union County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Union County breakdown.
- Union County's most distressed ZIP is 42462 at 28/100.
- 5 ZIP codes tracked in Union County, averaging 22/100 distress.
- Union County reads expansion — home values up 5.3% year over year.
- Vacancy runs 13.7% across Union County's tracked ZIPs, with a 13.1% poverty rate.
- The typical Union County home is worth about $112,600 against a ~$58,851 median income.
- Lending headwind in Union County sits at 54/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 42462 | 28/100 |
| 2 | 42461 | 25/100 |
| 3 | 42404 | 22/100 |
| 4 | 42437 | 19/100 |
| 5 | 42459 | 16/100 |
Most distressed ZIP codes in Union County (composite distress 0-100, 2026)
What is driving Union County distress
Nothing here is estimated: Union County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Union County market phase and pricing
Union County currently sits in expansion after a 5.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Union County
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Frequently asked
Which Union County ZIP scores worst for distress?
ZIP 42462 leads Union County at 28/100, recomputed monthly from public records.
Where is Union County in the housing cycle?
Union County currently sits in expansion, with values up 5.3% year on year, based on FHFA price-index trajectory.
Where does the Union 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 5 Union County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Union County ZIP codes?
One county number flattens a wide range. Across the Union County ZIPs DLRadar ranks, scores run from 28/100 in 42462 down to 16/100 in 42459, against a Union County average of 22/100. Because the gap runs to 12 points, Union County rewards ZIP-level precision.
What do Union County home values and vacancy say about distressed supply?
The typical Union County home carries about $112,600 of value against a median household income near $58,851. Vacancy across Union County's tracked ZIPs runs 13.7% and the poverty rate is 13.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Union County's foreclosure and tax-lien filings and its 54/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.