Garrard County, KY: Foreclosures, Tax Liens & Distressed Properties
Garrard County, KY, Kentucky: 5 ZIP codes scored, Garrard County, KY averaging 25/100 (low, Garrard, KY), from 21 to 31. Garrard County, KY is in its expansion phase (Garrard, KY confidence 33/100): Garrard, KY home prices up 5.3% (Garrard, KY) over twelve months. Garrard County, KY lender headwind: 41/100.
Highest-scoring Garrard County, KY ZIPs: 40403 (31/100), 40461 (28/100), 40444 (23/100), 40419 (22/100), 40484 (21/100).
Across Garrard County, KY's scored ZIPs: median home value $181,920, household income $59,322, 9.2% vacancy, 16.1% poverty, 77% owner-occupied, median age 41.2.
Garrard County, KY insurance distress 79/100 (#394 in the US); FEMA hazard 74/100 for Garrard, KY; 12 federal disaster declarations in Garrard County, KY since 2023; 6 Garrard, KY NFIP flood claims, $459K paid; Garrard, KY construction distress 58/100.
4 banks with 5 branches lend in Garrard County, KY; Garrard, KY weighted bank stress 64/100, highest 74/100 in Garrard, KY.
Garrard County, KY unemployment 3.8% (Garrard, KY -0.8 pts, six months); Garrard, KY home prices +11.3% a year (Garrard, KY) over three years.
7,280 housing units in Garrard County, KY; 1,341 Garrard, KY renter households; 42% of Garrard, KY renters spend 30%+ of income on rent, 21% (Garrard, KY) half or more.
Garrard County, KY ranks #674 nationally on the opportunity index (Garrard, KY, among all ranked counties); Garrard, KY scores 32.5/100 and Garrard, KY sits #45 inside Kentucky. Garrard, KY is in the watchlist opportunity phase; Garrard, KY's primary driver is bank institutional, Garrard, KY second driver construction; Garrard, KY moved up 339 places. 3 short-sale listings across Garrard, KY; 63 days on market observed in Garrard, KY; 8.8% vacancy over 5 Garrard, KY ZIPs.
No CFPB county sample covers Garrard County, KY. The non-metro area reading for Garrard, KY: 1.1% ninety-plus days late; Garrard, KY's thirty-to-eighty-nine share is 3.0% (Garrard, KY, December 2025 data); Kentucky overall 1.0%.
Garrard County, KY has 4 watched banks; 4 Garrard, KY banks sit in an elevated band. Garrard, KY footprints: Whitaker Bank (2 branches, stress 57) in Garrard, KY; First Fsb Of Kentucky (1 branch, stress 74) in Garrard, KY; First Southern National Bank (1 branch, stress 68) in Garrard, KY.
585 of the 7,280 housing units in Garrard, KY sit vacant.