Washington County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Washington County, Kentucky? DLRadar grades every Washington County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Washington County breakdown.
- Washington County's most distressed ZIP is 40040 at 25/100.
- 8 ZIP codes tracked in Washington County, averaging 22/100 distress.
- Washington County reads expansion — home values up 5.3% year over year.
- Vacancy runs 11.9% across Washington County's tracked ZIPs, with a 24.1% poverty rate.
- The typical Washington County home is worth about $185,271 against a ~$59,360 median income.
- Lending headwind in Washington County sits at 51/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40040 | 25/100 |
| 2 | 40061 | 25/100 |
| 3 | 40069 | 25/100 |
| 4 | 40078 | 25/100 |
| 5 | 40330 | 24/100 |
| 6 | 40468 | 20/100 |
| 7 | 40037 | 15/100 |
| 8 | 40033 | 13/100 |
Most distressed ZIP codes in Washington County (composite distress 0-100, 2026)
What is driving Washington County distress
DLRadar builds Washington County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Washington County market phase and pricing
Washington 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 Washington County
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What people ask
What is the hardest-hit ZIP in Washington County?
ZIP 40040 leads Washington County at 25/100, recomputed monthly from public records.
What market phase is Washington County in?
The market phase for Washington County is expansion, prices rising 5.3% on the year — derived from the FHFA House Price Index path.
What is this Washington County analysis built from?
Washington County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 8 ZIPs are comparable to anywhere else.
How much do distress scores vary between Washington County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Washington County ZIPs DLRadar ranks, scores run from 25/100 in 40040 down to 13/100 in 40033, against a Washington County average of 22/100. Those 12 points separate the ZIPs worth working in Washington County from the rest.
What do Washington County home values and vacancy say about distressed supply?
The typical Washington County home carries about $185,271 of value against a median household income near $59,360. Vacancy across Washington County's tracked ZIPs runs 11.9% and the poverty rate is 24.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Washington County's foreclosure and lien filings and its 51/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.