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

Carter County, KY, Kentucky: 11 ZIP codes scored, Carter County, KY averaging 24/100 (low, Carter, KY), from 16 to 35. Carter County, KY is in its expansion phase (Carter, KY confidence 37/100): Carter, KY home prices up 7.3% (Carter, KY) over twelve months. Carter County, KY lender headwind: 32/100.

Highest-scoring Carter County, KY ZIPs: 41102 (35/100), 41168 (34/100), 40351 (27/100), 41141 (24/100), 41143 (24/100), 41132 (22/100). Also scored in Carter County, KY: 41142, 41146, 41181, 41164, 41180.

Across Carter County, KY's scored ZIPs: median home value $134,386, household income $56,045, 12.0% vacancy, 16.1% poverty, 81% owner-occupied, median age 49.1.

Carter County, KY insurance distress 80/100 (#352 in the US); FEMA hazard 84/100 for Carter, KY; 12 federal disaster declarations in Carter County, KY since 2023; 4 Carter, KY NFIP flood claims, $102K paid; Carter, KY construction distress 9/100.

4 banks with 8 branches lend in Carter County, KY; Carter, KY weighted bank stress 57/100, highest 70/100 in Carter, KY.

Carter County, KY unemployment 6.5% (Carter, KY -1.6 pts, six months); 2 new housing units permitted in Carter County, KY over twelve months, Carter, KY up 100% from 1; Carter, KY home prices +8.1% a year (Carter, KY) over three years.

12,316 housing units in Carter County, KY; 2,235 Carter, KY renter households; 31% of Carter, KY renters spend 30%+ of income on rent, 17% (Carter, KY) half or more.

Carter County, KY ranks #1,499 nationally on the opportunity index (Carter, KY, among all ranked counties); Carter, KY scores 29.4/100 and Carter, KY sits #84 inside Kentucky. Carter, KY is in the early_signal opportunity phase; Carter, KY's primary driver is vacancy, Carter, KY second driver bank institutional; Carter, KY moved up 170 places. 1 short-sale listings across Carter, KY; 133 days on market observed in Carter, KY; 15.1% vacancy over 11 Carter, KY ZIPs.

No CFPB county sample covers Carter County, KY. The metro area reading for Carter, KY (Huntington-Ashland, WV-KY-OH): 1.2% ninety-plus days late; Carter, KY's thirty-to-eighty-nine share is 3.3% (Carter, KY, December 2025 data); Kentucky overall 1.0%.

Carter County, KY has 3 watched banks; 3 Carter, KY banks sit in an elevated band. Carter, KY footprints: Commercial Bank Of Grayson (3 branches, stress 70) in Carter, KY; First Nb Of Grayson (3 branches, stress 47) in Carter, KY; Citizens Bank Of Ky Inc (1 branch, stress 58) in Carter, KY.

HUD lists 5 assisted multifamily properties in Carter County, KY with 170 units; 138 Carter, KY units are assisted, 2 Carter, KY properties under project-based Section 8.

1,522 of the 12,316 housing units in Carter, KY sit vacant. Carter County, KY permitted 0 multifamily units in twelve months; Carter, KY's one-to-four unit structures added 2 units in Carter County, KY.