Whitley County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Whitley County, KY distress report, 2026: 7 ZIPs scored in Whitley, KY, Whitley, KY average 25/100; the top Whitley, KY ZIP is 40906 at 28/100; Whitley, KY market phase peak, Whitley, KY prices +4.4% year over year.
- Whitley, KY ranks #400 nationally (opportunity index); Whitley, KY #31 in Kentucky; Whitley, KY index 33.9.
- Whitley, KY: no CFPB county sample; Whitley, KY non-metro area reading 1.1%.
- Whitley, KY ZIP phases: 6 peak, 1 neutral.
- Whitley, KY residential listings tracked: 20 across 4 ZIPs; Whitley, KY candidate listings 4.
- Whitley, KY HUD assisted properties: 1 with 34 units.
- Whitley, KY lenders on watch: 5; largest Whitley, KY footprint Hometown Bank Of Corbin Inc (3 branches).
- Whitley, KY most distressed ZIP: 40906 at 28/100.
Whitley, KY figures: DLRadar distress index; Whitley, KY inputs: CFPB, FHFA, HUD, FDIC; Whitley, KY rebuilt as sources refresh.
| Rank | Whitley, KY ZIP | Score |
|---|---|---|
| 1 | 40906 | 28/100 |
| 2 | 40771 | 27/100 |
| 3 | 40701 | 26/100 |
| 4 | 40940 | 25/100 |
| 5 | 40759 | 23/100 |
| 6 | 40763 | 23/100 |
| 7 | 40769 | 22/100 |
Most distressed Whitley, KY ZIPs (0-100, 2026)
Mortgage delinquency around Whitley, KY
No CFPB county sample covers Whitley, KY; the non-metro area reading for Whitley, KY: 1.1% ninety-plus; Whitley, KY area thirty-to-eighty-nine 3.0% (December 2025, Whitley, KY); Kentucky overall 1.0%.
Opportunity index: Whitley, KY
Whitley, KY index 33.9, Whitley, KY phase peak_opportunity; Whitley, KY primary driver vacancy, Whitley, KY second driver bank institutional. Whitley, KY components: property stress 24.5, foreclosure pressure 25.6, listing discounts 39.1, bank stress 57.7, insurance 0.0; Whitley, KY pulse 37.1; Whitley, KY capital opportunity 29.0; Whitley, KY seven-day change +0.4%.
ZIP market phases inside Whitley, KY
7 Whitley, KY ZIPs carry a price-cycle phase; Whitley, KY ZIPs by phase (Whitley, KY), deepest drawdown first: peak, +4.4% YoY (Whitley, KY): 40701, 40759, 40763, 40771, Whitley, KY 40906, 40940; neutral, +4.5% YoY (Whitley, KY): 40769.
Residential listings by Whitley, KY ZIP
Whitley, KY ZIPs with the most tracked Whitley, KY residential listings: 40701 15 listings, 3 candidates, bank pressure 66; 40769 5 listings, 1 candidates, bank pressure 63; 40759 0 listings, 0 candidates, bank pressure 66; 40763 0 listings, 0 candidates, bank pressure 66 (Whitley, KY). Whitley, KY totals: 20 listings; Whitley, KY candidates 4; active ZIPs 0.
HUD assisted housing in Whitley, KY
1 assisted properties with 34 units sit in Whitley, KY; largest Whitley, KY properties: Powell Station (Corbin) 34 units.
Lenders with branches in Whitley, KY
Whitley, KY lenders by branch count: Hometown Bank Of Corbin Inc (Whitley, KY): stress 86, 3 branches low in Whitley, KY; Whitaker Bank (Whitley, KY): stress 57, 3 branches low in Whitley, KY; Forcht Bank National Assn (Whitley, KY): stress 80, 2 branches low in Whitley, KY; Community Trust Bank Inc (Whitley, KY): stress 47, 2 branches low in Whitley, KY; Cumberland Valley Nb&T Co (Whitley, KY): stress 70, 1 branch low in Whitley, KY.
Vacancy and permits, Whitley, KY
2,088 of 15,629 Whitley, KY housing units are vacant; Whitley, KY permits, twelve months: 6 multifamily units in Whitley, KY, 48 one-to-four unit units.
Work Whitley, KY at the parcel level
Every Whitley, KY parcel carries owner and address; every Whitley, KY parcel carries APN; Whitley, KY distress scores sit on the Whitley, KY live board.
Whitley, KY figures refresh with each source.
Whitley, KY questions
Most distressed ZIP code in Whitley County, KY?
ZIP 40906 leads Whitley, KY at 28/100; next in Whitley, KY: 40771 at 27/100; the Whitley, KY average is 25/100.
Where does Whitley County, KY rank for investment opportunity?
Whitley, KY is #400 among all ranked counties, #31 in Kentucky; the Whitley, KY driver is vacancy; Whitley, KY moved up 280 places.
How many mortgages are delinquent in Whitley County, KY?
Whitley, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Whitley, KY.
Which banks lend in Whitley County, KY?
5 watched lenders hold Whitley, KY branches; the largest Whitley, KY footprints are Hometown Bank Of Corbin Inc (3), Whitaker Bank (3), Forcht Bank National Assn (2).
More on Whitley, KY
Whitley County, KY distress report: public-record figures for Whitley, KY; not legal advice for Whitley, KY; not tax or investment advice; verify every Whitley, KY record before acting.