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

Franklin County, KY, Kentucky: 5 ZIP codes scored, Franklin County, KY averaging 24/100 (low, Franklin, KY), from 20 to 28. Franklin County, KY is in its peak phase (Franklin, KY confidence 22/100): Franklin, KY home prices up 4.4% (Franklin, KY) over twelve months. Franklin County, KY lender headwind: 53/100.

Highest-scoring Franklin County, KY ZIPs: 40379 (28/100), 40347 (26/100), 40601 (26/100), 40076 (21/100), 40003 (20/100).

Across Franklin County, KY's scored ZIPs: median home value $283,120, household income $69,092, 6.4% vacancy, 10.2% poverty, 79% owner-occupied, median age 43.4.

Franklin County, KY insurance distress 90/100 (#104 in the US); FEMA hazard 84/100 for Franklin, KY; 12 federal disaster declarations in Franklin County, KY since 2023; 133 Franklin, KY NFIP flood claims, $13.9M paid; Franklin, KY construction distress 12/100.

13 banks with 22 branches lend in Franklin County, KY; Franklin, KY weighted bank stress 60/100, highest 76/100 in Franklin, KY.

Franklin County, KY unemployment 3.6% (Franklin, KY -0.3 pts, six months); 176 new housing units permitted in Franklin County, KY over twelve months, Franklin, KY up 68% from 105; Franklin, KY home prices +11.6% a year (Franklin, KY) over three years.

24,163 housing units in Franklin County, KY; 8,034 Franklin, KY renter households; 41% of Franklin, KY renters spend 30%+ of income on rent, 21% (Franklin, KY) half or more.

Franklin County, KY ranks #1,831 nationally on the opportunity index (Franklin, KY, among all ranked counties); Franklin, KY scores 28.3/100 and Franklin, KY sits #97 inside Kentucky. Franklin, KY is in the early_signal opportunity phase; Franklin, KY's primary driver is bank institutional, Franklin, KY second driver listings discount; Franklin, KY moved up 940 places. 34 short-sale listings across Franklin, KY; 44 days on market observed in Franklin, KY; 6.4% vacancy over 5 Franklin, KY ZIPs.

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

Franklin County, KY has 7 watched banks; 7 Franklin, KY banks sit in an elevated band. Franklin, KY footprints: First Fsb Of Kentucky (3 branches, stress 74) in Franklin, KY; Whitaker Bank (3 branches, stress 57) in Franklin, KY; Independence Bank Of Ky (2 branches, stress 74) in Franklin, KY.

HUD lists 9 assisted multifamily properties in Franklin County, KY with 218 units; 187 Franklin, KY units are assisted, 2 Franklin, KY properties under project-based Section 8.

1,445 of the 24,163 housing units in Franklin, KY sit vacant. Franklin County, KY permitted 56 multifamily units in twelve months; Franklin, KY's one-to-four unit structures added 120 units in Franklin County, KY.