Carroll County, KY: Foreclosures, Tax Liens & Distressed Properties

Carroll County, KY, Kentucky: 8 ZIP codes scored, Carroll County, KY averaging 18/100 (low, Carroll, KY), from 15 to 20. Carroll County, KY is in its expansion phase (Carroll, KY confidence 33/100): Carroll, KY home prices up 5.3% (Carroll, KY) over twelve months. Carroll County, KY lender headwind: 69/100.

Highest-scoring Carroll County, KY ZIPs: 40011 (20/100), 40075 (20/100), 41098 (19/100), 41008 (17/100), 41045 (17/100), 41083 (17/100). Also scored in Carroll County, KY: 40045, 40006.

Across Carroll County, KY's scored ZIPs: median home value $162,613, household income $61,079, 17.2% vacancy, 17.6% poverty, 80% owner-occupied, median age 44.4.

Carroll County, KY insurance distress 73/100 (#548 in the US); FEMA hazard 63/100 for Carroll, KY; 8 federal disaster declarations in Carroll County, KY since 2023; 23 Carroll, KY NFIP flood claims, $923K paid; Carroll, KY construction distress 4/100.

5 banks with 6 branches lend in Carroll County, KY; Carroll, KY weighted bank stress 66/100, highest 78/100 in Carroll, KY.

Carroll County, KY unemployment 3.8% (Carroll, KY -0.3 pts, six months); 16 new housing units permitted in Carroll County, KY over twelve months, Carroll, KY up 433% from 3; Carroll, KY home prices +9.2% a year (Carroll, KY) over three years.

4,693 housing units in Carroll County, KY; 1,463 Carroll, KY renter households; 33% of Carroll, KY renters spend 30%+ of income on rent, 12% (Carroll, KY) half or more.

Carroll County, KY ranks #1,329 nationally on the opportunity index (Carroll, KY, among all ranked counties); Carroll, KY scores 30.0/100 and Carroll, KY sits #76 inside Kentucky. Carroll, KY is in the early_signal opportunity phase; Carroll, KY's primary driver is vacancy, Carroll, KY second driver bank institutional; Carroll, KY moved up 450 places. 3 short-sale listings across Carroll, KY; 80 days on market observed in Carroll, KY; 13.0% vacancy over 8 Carroll, KY ZIPs.

No CFPB county sample covers Carroll County, KY. The non-metro area reading for Carroll, KY: 1.1% ninety-plus days late; Carroll, KY's thirty-to-eighty-nine share is 3.0% (Carroll, KY, December 2025 data); Kentucky overall 1.0%.

Carroll County, KY has 4 watched banks; 4 Carroll, KY banks sit in an elevated band. Carroll, KY footprints: First Nb Of Kentucky (2 branches, stress 59) in Carroll, KY; Farmers Bank Of Milton (1 branch, stress 78) in Carroll, KY; United Citizens B&T Co (1 branch, stress 71) in Carroll, KY.

HUD lists 1 assisted multifamily property in Carroll County, KY with 80 units; 80 Carroll, KY units are assisted, 1 Carroll, KY properties under project-based Section 8.

515 of the 4,693 housing units in Carroll, KY sit vacant. Carroll County, KY permitted 16 multifamily units in twelve months; Carroll, KY's one-to-four unit structures added 0 units in Carroll County, KY.