Whitley County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Whitley County, Kentucky? DLRadar grades every Whitley County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Whitley County breakdown.
- Whitley County's most distressed ZIP is 40906 at 30/100.
- 7 ZIP codes tracked in Whitley County, averaging 27/100 distress.
- Whitley County reads peak — home values up 4.4% year over year.
- Vacancy runs 22.9% across Whitley County's tracked ZIPs, with a 36.8% poverty rate.
- The typical Whitley County home is worth about $116,483 against a ~$40,353 median income.
- Lending headwind in Whitley County sits at 54/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40906 | 30/100 |
| 2 | 40771 | 29/100 |
| 3 | 40701 | 27/100 |
| 4 | 40940 | 26/100 |
| 5 | 40759 | 25/100 |
| 6 | 40763 | 25/100 |
| 7 | 40769 | 24/100 |
Most distressed ZIP codes in Whitley County (composite distress 0-100, 2026)
What is driving Whitley County distress
Nothing here is estimated: Whitley County is scored from filings alone, and its ZIPs average 27/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Whitley County market phase and pricing
DLRadar places Whitley County in peak; prices moved up 4.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Whitley County
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Frequently asked
Which Whitley County ZIP scores worst for distress?
ZIP 40906 leads Whitley County at 30/100, recomputed monthly from public records.
What market phase is Whitley County in?
Phase for Whitley County: peak, tracking a 4.4% gain year over year, read off the FHFA index.
What is this Whitley County analysis built from?
Whitley County draws on FHFA (peak 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 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Whitley County ZIP codes?
One county number flattens a wide range. Across the Whitley County ZIPs DLRadar ranks, scores run from 30/100 in 40906 down to 24/100 in 40769, against a Whitley County average of 27/100. Those 6 points separate the ZIPs worth working in Whitley County from the rest.
What do Whitley County home values and vacancy say about distressed supply?
The typical Whitley County home carries about $116,483 of value against a median household income near $40,353. Vacancy across Whitley County's tracked ZIPs runs 22.9% and the poverty rate is 36.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Whitley County's foreclosure and tax-lien record 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.