Wayne County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Wayne County, KY distress report, 2026: 5 ZIPs scored in Wayne, KY, Wayne, KY average 18/100; the top Wayne, KY ZIP is 42544 at 22/100; Wayne, KY market phase expansion, Wayne, KY prices +5.3% year over year.
- Wayne, KY ranks #120 nationally (opportunity index); Wayne, KY #15 in Kentucky; Wayne, KY index 36.9.
- Wayne, KY: no CFPB county sample; Wayne, KY non-metro area reading 1.1%.
- Wayne, KY ZIP phases: 3 expansion, 2 neutral.
- Wayne, KY residential listings tracked: 7 across 3 ZIPs; Wayne, KY candidate listings 1.
- Wayne, KY HUD assisted properties: 2 with 100 units.
- Wayne, KY lenders on watch: 3; largest Wayne, KY footprint Monticello Banking Co (4 branches).
- Wayne, KY most distressed ZIP: 42544 at 22/100.
Wayne, KY figures: DLRadar distress index; Wayne, KY inputs: CFPB, FHFA, HUD, FDIC; Wayne, KY rebuilt as sources refresh.
| Rank | Wayne, KY ZIP | Score |
|---|---|---|
| 1 | 42544 | 22/100 |
| 2 | 42518 | 21/100 |
| 3 | 42602 | 17/100 |
| 4 | 42603 | 16/100 |
| 5 | 42633 | 16/100 |
Most distressed Wayne, KY ZIPs (0-100, 2026)
Mortgage delinquency around Wayne, KY
No CFPB county sample covers Wayne, KY; the non-metro area reading for Wayne, KY: 1.1% ninety-plus; Wayne, KY area thirty-to-eighty-nine 3.0% (December 2025, Wayne, KY); Kentucky overall 1.0%.
Opportunity index: Wayne, KY
Wayne, KY index 36.9, Wayne, KY phase strong_buy; Wayne, KY primary driver vacancy, Wayne, KY second driver bank institutional. Wayne, KY components: property stress 30.0, foreclosure pressure 31.1, listing discounts 41.4, bank stress 63.9, insurance 0.0; Wayne, KY pulse 41.6; Wayne, KY capital opportunity 29.8; Wayne, KY seven-day change +1.4%.
ZIP market phases inside Wayne, KY
5 Wayne, KY ZIPs carry a price-cycle phase; Wayne, KY ZIPs by phase (Wayne, KY), deepest drawdown first: neutral, +4.8% YoY (Wayne, KY): 42518; neutral, +4.6% YoY (Wayne, KY): 42544; expansion, +5.3% YoY (Wayne, KY): 42602, 42603, 42633.
Residential listings by Wayne, KY ZIP
Wayne, KY ZIPs with the most tracked Wayne, KY residential listings: 42633 6 listings, 1 candidates, bank pressure 68; 42518 1 listings, 0 candidates, bank pressure 63; 42603 0 listings, 0 candidates, bank pressure 67. Wayne, KY totals: 7 listings; Wayne, KY candidates 1; active ZIPs 1.
HUD assisted housing in Wayne, KY
2 assisted properties with 100 units sit in Wayne, KY; largest Wayne, KY properties: Mason Greene Apartments (Monticello) 68 units, 68 assisted; Beech Valley Manor (Monticello) 32 units, 32 assisted.
Lenders with branches in Wayne, KY
Wayne, KY lenders by branch count: Monticello Banking Co (Wayne, KY): stress 76, 4 branches low in Wayne, KY; First Southern National Bank (Wayne, KY): stress 68, 1 branch low in Wayne, KY; Citizens Nb Of Somerset (Wayne, KY): stress 67, 1 branch low in Wayne, KY.
Vacancy and permits, Wayne, KY
2,060 of 10,134 Wayne, KY housing units are vacant.
Work Wayne, KY at the parcel level
Every Wayne, KY parcel carries owner and address; every Wayne, KY parcel carries APN; Wayne, KY distress scores sit on the Wayne, KY live board.
Wayne, KY figures refresh with each source.
Wayne, KY questions
Most distressed ZIP code in Wayne County, KY?
ZIP 42544 leads Wayne, KY at 22/100; next in Wayne, KY: 42518 at 21/100; the Wayne, KY average is 18/100.
Where does Wayne County, KY rank for investment opportunity?
Wayne, KY is #120 among all ranked counties, #15 in Kentucky; the Wayne, KY driver is vacancy; Wayne, KY moved up 67 places.
How many mortgages are delinquent in Wayne County, KY?
Wayne, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Wayne, KY.
Which banks lend in Wayne County, KY?
3 watched lenders hold Wayne, KY branches; the largest Wayne, KY footprints are Monticello Banking Co (4), First Southern National Bank (1), Citizens Nb Of Somerset (1).
More on Wayne, KY
Wayne County, KY distress report: public-record figures for Wayne, KY; not legal advice for Wayne, KY; not tax or investment advice; verify every Wayne, KY record before acting.