Kentucky Foreclosures, Tax Liens & Distressed Properties

DLRadar reads Kentucky from the parcel up: foreclosure, tax, mortgage and lender records rolled into one score per ZIP. Statewide, counties skew expansion, prices up 5.0% on average. Across the state the phase mix is 69 expansion, 49 peak, 2 contraction. 120 counties and 780 ZIPs are tracked statewide, averaging 25/100.

The most stressed counties include Leslie County, Grant County, Menifee County, Trigg County, Knott County — each with a full county distress report.

Statewide ZIP distress tops out at 40025 (38/100), 40041 (38/100), 40118 (38/100), 40202 (38/100), 40203 (38/100).

Here is the county-by-county distress and phase picture for Kentucky.

Adair County is in its expansion phase, up 5.3% on the year, headwind 17/100. Allen County: peak, up 2.1% on the year, bank stress 18/100. Anderson County is in its peak phase, up 4.4% on the year, lender pressure 22/100. Ballard County is expansion (up 11.3% on the year, bank stress 71/100). Barren County is peak (up 4.4% on the year, bank stress 41/100). DLRadar reads Bath County as peak — prices up 4.4%, headwind 61/100. Bell County — peak, values rising 4.4%.

Boone County: peak, up 3.5% on the year, bank stress 48/100. Bourbon County sits in expansion, up 5.9% on the year, lender pressure 54/100. Boyd County reads expansion — appreciation near 7.3%. Boyle County is peak (homes +4.4% YoY, headwind 46/100). DLRadar reads Bracken County as peak — values rising 3.5%, a 51/100 lender reading. Breathitt County is expansion (homes +5.3% YoY, bank stress 20/100). Breckinridge County — expansion, prices up 5.3%, a 23/100 lender reading.

Bullitt County: peak, values rising 3.8%, headwind 29/100. Butler County reads peak — prices up 2.1%, bank stress 86/100. Caldwell County: expansion, homes +5.3% YoY, headwind 47/100. Calloway County sits in peak, appreciation near 4.4%, lender pressure 71/100. Campbell County is in its peak phase, appreciation near 3.5%, bank stress 41/100. DLRadar reads Carlisle County as expansion — up 11.3% on the year, bank stress 52/100. Carroll County reads expansion — up 5.3% on the year, bank stress 69/100.

Carter County — expansion, appreciation near 7.3%, lender pressure 32/100. DLRadar reads Casey County as expansion — up 5.3% on the year, bank stress 74/100. In Christian County, peak: appreciation near 1.9%, 2.5% below peak, lender pressure 43/100. Clark County is in its expansion phase, up 5.9% on the year, a 45/100 lender reading. Clay County sits in peak, values rising 4.4%, lender pressure 87/100. DLRadar reads Clinton County as expansion — values rising 5.3%, bank stress 52/100. DLRadar reads Crittenden County as expansion — appreciation near 5.3%, lender pressure 66/100.

Cumberland County is expansion (values rising 5.3%). In Daviess County, expansion: homes +11.4% YoY, lender pressure 54/100. Edmonson County — peak, up 2.1% on the year, bank stress 38/100. Elliott County is expansion (appreciation near 5.3%). Estill County: peak, values rising 4.4%, lender pressure 64/100. Fayette County is expansion (homes +5.9% YoY, headwind 42/100). In Fleming County, expansion: appreciation near 5.3%, lender pressure 26/100.

Floyd County sits in peak, values rising 4.4%, lender pressure 35/100. Franklin County — peak, prices up 4.4%, a 53/100 lender reading. Fulton County: expansion, appreciation near 5.3%, bank stress 30/100. Gallatin County sits in peak, values rising 3.5%, headwind 44/100. Garrard County is in its expansion phase, values rising 5.3%, headwind 41/100. Grant County — peak, up 3.5% on the year, headwind 100/100. Graves County — peak, prices up 4.4%, bank stress 84/100.

DLRadar reads Grayson County as expansion — up 5.3% on the year, headwind 32/100. DLRadar reads Green County as peak — prices up 4.4%, headwind 39/100. Greenup County sits in expansion, up 7.3% on the year, headwind 65/100. Hancock County sits in expansion, prices up 5.3%, bank stress 67/100. DLRadar reads Hardin County as contraction — down 1.1% on the year, 1.9% below peak, a 48/100 lender reading. Harlan County is in its expansion phase, prices up 5.3%, headwind 61/100. Harrison County — expansion, homes +5.3% YoY, bank stress 33/100.

Hart County is in its expansion phase, prices up 5.3%.

Kentucky opportunity phases: 35 early_signal, 29 peak_opportunity, 17 watchlist, 15 strong_buy, 15 weak, 9 overheated; Kentucky average index 32.1. Best-ranked Kentucky counties: Powell #5 (43.6), construction; Estill #14 (41.8), construction; Caldwell #17 (41.2), bank institutional in Kentucky; Clay #19 (41.0), construction; Mccracken #29 (39.4), construction; Bath #31 (39.3), construction.

Kentucky mortgages ninety-plus days late: 1.0%; Kentucky thirty-to-eighty-nine days late 2.2% (December 2025); 4 Kentucky counties sit in the CFPB sample; highest Kentucky county readings: Boone 1.2%, Jefferson 1.0%, Fayette 0.7%, Kenton 0.5%.

Kentucky county unemployment averages 4.6% across 120 counties; Kentucky permitted 13,701 housing units in twelve months (4,384 multifamily); 208,647 of 2,023,116 Kentucky housing units are vacant; 568,417 Kentucky renter households, 34.7% spending 30%+ of income on rent.

Kentucky ZIP price-cycle phases: 831 peak, 489 expansion, 97 neutral, 10 contraction, 5 recovery.