Hart County, KY: Foreclosures, Tax Liens & Distressed Properties
Hart County, KY, Kentucky: 10 ZIP codes scored, Hart County, KY averaging 17/100 (low, Hart, KY), from 15 to 26. Hart County, KY is in its expansion phase (Hart, KY confidence 33/100): Hart, KY home prices up 5.3% (Hart, KY) over twelve months. Hart County, KY lender headwind: 12/100.
Highest-scoring Hart County, KY ZIPs: 42127 (26/100), 42784 (22/100), 42713 (16/100), 42722 (16/100), 42746 (16/100), 42765 (16/100). Also scored in Hart County, KY: 42782, 42729, 42749, 42757.
Across Hart County, KY's scored ZIPs: median home value $138,210, household income $49,814, 19.8% vacancy, 20.9% poverty, 76% owner-occupied, median age 42.3.
Hart County, KY insurance distress 50/100 (#1,074 in the US); FEMA hazard 74/100 for Hart, KY; 12 federal disaster declarations in Hart County, KY since 2023; 1 Hart, KY NFIP flood claims; Hart, KY construction distress 4/100.
5 banks with 7 branches lend in Hart County, KY; Hart, KY weighted bank stress 45/100, highest 62/100 in Hart, KY.
Hart County, KY unemployment 4.2% (Hart, KY -0.3 pts, six months); 171 new housing units permitted in Hart County, KY over twelve months, Hart, KY up 99% from 86; Hart, KY home prices +9.3% a year (Hart, KY) over three years.
8,929 housing units in Hart County, KY; 1,899 Hart, KY renter households; 31% of Hart, KY renters spend 30%+ of income on rent, 14% (Hart, KY) half or more.
Hart County, KY ranks #1,460 nationally on the opportunity index (Hart, KY, among all ranked counties); Hart, KY scores 29.6/100 and Hart, KY sits #89 inside Kentucky. Hart, KY is in the early_signal opportunity phase; Hart, KY's primary driver is vacancy, Hart, KY second driver bank institutional; Hart, KY moved up 163 places. 3 short-sale listings across Hart, KY; 12 days on market observed in Hart, KY; 15.8% vacancy over 10 Hart, KY ZIPs.
No CFPB county sample covers Hart County, KY. The non-metro area reading for Hart, KY: 1.1% ninety-plus days late; Hart, KY's thirty-to-eighty-nine share is 3.0% (Hart, KY, December 2025 data); Kentucky overall 1.0%.
Hart County, KY has 3 watched banks; 3 Hart, KY banks sit in an elevated band. Hart, KY footprints: Bank Of Buffalo (1 branch, stress 62) in Hart, KY; Cecilian Bank (1 branch, stress 56) in Hart, KY; Hart County Bank&Trust Co (1 branch, stress 1) in Hart, KY.
HUD lists 1 assisted multifamily property in Hart County, KY with 56 units; 56 Hart, KY units are assisted, 1 Hart, KY properties under project-based Section 8.
1,553 of the 8,929 housing units in Hart, KY sit vacant. Hart County, KY permitted 38 multifamily units in twelve months; Hart, KY's one-to-four unit structures added 133 units in Hart County, KY.