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

Across Harlan County, Kentucky, DLRadar grades every ZIP for foreclosure, mortgage, tax and bank-stress distress. Coverage runs to 27 ZIPs across Harlan County, a low 23/100 average. County-level credit and bank headwind reads 61/100 — elevated, a sign of lender stress locally. The county's ZIP scores run from 18 up to 27/100.

In its expansion phase, Harlan County home prices rose 5.3% across the last year, at 33/100 phase confidence. Through the growth, a subset takes on water even as the headline looks strong.

At +5.3% YoY (33/100 confidence), stressed pockets remain where the scoring still flags pressure. Bank stress at 61/100 signals what's coming: short sales and foreclosures accelerate.

The most-distressed ZIP codes in Harlan County are 40988 (27/100), 40801 (23/100), 40806 (23/100), 40807 (23/100), 40810 (23/100), 40815 (23/100), each with its own full DLRadar report. The breakdown continues through 40818, 40819, 40820, 40823, 40824, 40828, 40829, 40830, 40831, 40843 and more.

By the numbers, Harlan County's scored ZIPs show 78% of homes owner-occupied, a 22.6% vacancy rate, median home values around $71,600 (below the national figure), 30.2% of households below the poverty line, a median age of 47.4, a median household income near $38,728 (below the US norm). Taken together, they drive the supply of motivated sellers and the speed of resale.

Net of it all, 23/100 over 27 ZIPs means the opportunity hides below the average for a disciplined buyer. Inside DLRadar, each Harlan County property carries owner and contact detail, APN, a score, the bank behind the note and how fast it should sell.

Whether Harlan County, Kentucky carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Harlan County can be compared directly against any county in the country.

The point of scoring Harlan County, Kentucky is to narrow it — the high-composite ZIPs carry the distress, and everything below them rarely repays the outreach cost. All of it is deterministic and auditable: Harlan County's numbers come from county recorders, the courts, FHFA and FDIC, with nothing interpolated or guessed when a source is sparse.

At the ZIP level, the sharpest readings in Harlan County are 40988 (27/100), 40801 (23/100), 40806 (23/100), 40807 (23/100), 40810 (23/100), 40815 (23/100). DLRadar also scores 40818, 40819, 40820, 40823, 40824, 40828, 40829, 40830 and more across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

Under Harlan County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.