Harlan County, KY: Foreclosures, Tax Liens & Distressed Properties
Harlan County, KY, Kentucky: 27 ZIP codes scored, Harlan County, KY averaging 24/100 (low, Harlan, KY), from 18 to 27. Harlan County, KY is in its expansion phase (Harlan, KY confidence 33/100): Harlan, KY home prices up 5.3% (Harlan, KY) over twelve months. Harlan County, KY lender headwind: 61/100.
Highest-scoring Harlan County, KY ZIPs: 40988 (27/100), 40801 (24/100), 40806 (24/100), 40807 (24/100), 40815 (24/100), 40818 (24/100). Also scored in Harlan County, KY: 40819, 40820, 40823, 40824, 40828, 40829, 40830, 40831, 40843, 40847.
Across Harlan County, KY's scored ZIPs: median home value $71,600, household income $38,728, 22.6% vacancy, 30.2% poverty, 78% owner-occupied, median age 47.4.
Harlan County, KY insurance distress 78/100 (#404 in the US); FEMA hazard 84/100 for Harlan, KY; 12 federal disaster declarations in Harlan County, KY since 2023; 9 Harlan, KY NFIP flood claims, $60K paid.
5 banks with 8 branches lend in Harlan County, KY; Harlan, KY weighted bank stress 67/100, highest 77/100 in Harlan, KY.
Harlan County, KY unemployment 5.9% (Harlan, KY -0.2 pts, six months).
13,036 housing units in Harlan County, KY; 3,063 Harlan, KY renter households; 37% of Harlan, KY renters spend 30%+ of income on rent, 19% (Harlan, KY) half or more.
Harlan County, KY ranks #1,718 nationally on the opportunity index (Harlan, KY, among all ranked counties); Harlan, KY scores 28.7/100 and Harlan, KY sits #93 inside Kentucky. Harlan, KY is in the early_signal opportunity phase; Harlan, KY's primary driver is vacancy, Harlan, KY second driver bank institutional; Harlan, KY moved down 240 places. 45 days on market observed in Harlan, KY; 18.5% vacancy over 27 Harlan, KY ZIPs.
No CFPB county sample covers Harlan County, KY. The non-metro area reading for Harlan, KY: 1.1% ninety-plus days late; Harlan, KY's thirty-to-eighty-nine share is 3.0% (Harlan, KY, December 2025 data); Kentucky overall 1.0%.
Harlan County, KY has 3 watched banks; 3 Harlan, KY banks sit in an elevated band. Harlan, KY footprints: Hearthside Bank Corp (2 branches, stress 77) in Harlan, KY; Monticello Banking Co (2 branches, stress 76) in Harlan, KY; First Nb Of Manchester (1 branch, stress 71) in Harlan, KY.
HUD lists 3 assisted multifamily properties in Harlan County, KY with 189 units; 189 Harlan, KY units are assisted, 3 Harlan, KY properties under project-based Section 8.
2,305 of the 13,036 housing units in Harlan, KY sit vacant.