Fayette County, KY: Foreclosures, Tax Liens & Distressed Properties
Fayette County, KY, Kentucky: 19 ZIP codes scored, Fayette County, KY averaging 31/100 (moderate, Fayette, KY), from 26 to 32. Fayette County, KY is in its expansion phase (Fayette, KY confidence 40/100): Fayette, KY home prices up 5.9% (Fayette, KY) over twelve months. Fayette County, KY lender headwind: 42/100.
Highest-scoring Fayette County, KY ZIPs: 40502 (32/100), 40503 (32/100), 40504 (32/100), 40505 (32/100), 40507 (32/100), 40508 (32/100). Also scored in Fayette County, KY: 40509, 40510, 40513, 40514, 40517, 40526, 40536, 40511, 40515, 40516.
Across Fayette County, KY's scored ZIPs: median home value $317,859, household income $71,752, 11.5% vacancy, 15.8% poverty, 58% owner-occupied, median age 36.4.
Fayette County, KY insurance distress 72/100 (#588 in the US); FEMA hazard 63/100 for Fayette, KY; 8 federal disaster declarations in Fayette County, KY since 2023; 13 Fayette, KY NFIP flood claims, $428K paid; Fayette, KY construction distress 48/100.
31 banks with 114 branches lend in Fayette County, KY; Fayette, KY weighted bank stress 60/100, highest 80/100 in Fayette, KY.
Fayette County, KY unemployment 3.6%; 1,116 new housing units permitted in Fayette County, KY over twelve months, Fayette, KY up 2% from 1,095; Fayette, KY home prices +10.6% a year (Fayette, KY) over three years.
148,959 housing units in Fayette County, KY; 63,922 Fayette, KY renter households; 47% of Fayette, KY renters spend 30%+ of income on rent, 24% (Fayette, KY) half or more.
Fayette County, KY ranks #1,862 nationally on the opportunity index (Fayette, KY, among all ranked counties); Fayette, KY scores 28.2/100 and Fayette, KY sits #102 inside Kentucky. Fayette, KY is in the early_signal opportunity phase; Fayette, KY's primary driver is bank institutional, Fayette, KY second driver construction; Fayette, KY moved up 740 places. 103 short-sale listings across Fayette, KY; 120 days on market observed in Fayette, KY; 7.3% vacancy over 19 Fayette, KY ZIPs.
0.7% of Fayette County, KY mortgages were ninety-plus days late in December 2025; Fayette, KY's thirty-to-eighty-nine-day share was 1.0% (CFPB county sample). Fayette, KY's ninety-day rate is unchanged on twelve months earlier; the Fayette, KY peak since 2008 was 2.7% in February 2010; Kentucky overall reads 1.0%.
Fayette County, KY has 18 watched banks; 18 Fayette, KY banks sit in an elevated band. Fayette, KY footprints: Central Bank&Trust Co (12 branches, stress 56) in Fayette, KY; Community Trust Bank Inc (6 branches, stress 47) in Fayette, KY; Traditional Bank Inc (5 branches, stress 71) in Fayette, KY.
HUD lists 38 assisted multifamily properties in Fayette County, KY with 3,354 units; 1,489 Fayette, KY units are assisted, 14 Fayette, KY properties under project-based Section 8.
9,244 of the 148,959 housing units in Fayette, KY sit vacant. Fayette County, KY permitted 595 multifamily units in twelve months; Fayette, KY's one-to-four unit structures added 521 units in Fayette County, KY.