Hardin County, KY: Foreclosures, Tax Liens & Distressed Properties
Hardin County, KY, Kentucky: 17 ZIP codes scored, Hardin County, KY averaging 28/100 (low, Hardin, KY), from 14 to 34. Hardin County, KY is in its contraction phase (Hardin, KY confidence 49/100): Hardin, KY home prices down 1.1% (Hardin, KY) over twelve months, 1.9% under their peak. Hardin County, KY lender headwind: 48/100.
Highest-scoring Hardin County, KY ZIPs: 40150 (34/100), 40177 (34/100), 40160 (31/100), 40162 (31/100), 42701 (31/100), 42724 (31/100). Also scored in Hardin County, KY: 42732, 42740, 42788, 40121, 42712, 40175, 42776, 40051, 40140, 42784.
Across Hardin County, KY's scored ZIPs: median home value $200,680, household income $68,356, 11.3% vacancy, 15.2% poverty, 74% owner-occupied, median age 40.1.
Hardin County, KY insurance distress 79/100 (#399 in the US); FEMA hazard 68/100 for Hardin, KY; 10 federal disaster declarations in Hardin County, KY since 2023; 93 Hardin, KY NFIP flood claims, $4.1M paid; Hardin, KY construction distress 48/100.
13 banks with 30 branches lend in Hardin County, KY; Hardin, KY weighted bank stress 58/100, highest 78/100 in Hardin, KY.
Hardin County, KY unemployment 4.7% (Hardin, KY -0.6 pts, six months); 471 new housing units permitted in Hardin County, KY over twelve months, Hardin, KY up 2% from 462; Hardin, KY home prices +10.4% a year (Hardin, KY) over three years.
48,108 housing units in Hardin County, KY; 16,385 Hardin, KY renter households; 33% of Hardin, KY renters spend 30%+ of income on rent, 17% (Hardin, KY) half or more.
Hardin County, KY ranks #1,759 nationally on the opportunity index (Hardin, KY, among all ranked counties); Hardin, KY scores 28.6/100 and Hardin, KY sits #100 inside Kentucky. Hardin, KY is in the early_signal opportunity phase; Hardin, KY's primary driver is bank institutional, Hardin, KY second driver construction; Hardin, KY moved up 99 places. 7 short-sale listings across Hardin, KY; 97 days on market observed in Hardin, KY; 8.1% vacancy over 17 Hardin, KY ZIPs.
No CFPB county sample covers Hardin County, KY. The non-metro area reading for Hardin, KY: 1.1% ninety-plus days late; Hardin, KY's thirty-to-eighty-nine share is 3.0% (Hardin, KY, December 2025 data); Kentucky overall 1.0%.
Hardin County, KY has 6 watched banks; 6 Hardin, KY banks sit in an elevated band. Hardin, KY footprints: Cecilian Bank (9 branches, stress 56) in Hardin, KY; West Point Bank (5 branches, stress 78) in Hardin, KY; South Central Bank Inc (2 branches, stress 66) in Hardin, KY.
HUD lists 14 assisted multifamily properties in Hardin County, KY with 766 units; 249 Hardin, KY units are assisted, 5 Hardin, KY properties under project-based Section 8.
3,486 of the 48,108 housing units in Hardin, KY sit vacant. Hardin County, KY permitted 31 multifamily units in twelve months; Hardin, KY's one-to-four unit structures added 440 units in Hardin County, KY.