Jefferson County, KY: Foreclosures, Tax Liens & Distressed Properties
Jefferson County, KY, Kentucky: 43 ZIP codes scored, Jefferson County, KY averaging 37/100 (moderate, Jefferson, KY), from 31 to 38. Jefferson County, KY is in its peak phase (Jefferson, KY confidence 27/100): Jefferson, KY home prices up 3.8% (Jefferson, KY) over twelve months. Jefferson County, KY lender headwind: 39/100.
Highest-scoring Jefferson County, KY ZIPs: 40025 (38/100), 40041 (38/100), 40118 (38/100), 40202 (38/100), 40203 (38/100), 40204 (38/100). Also scored in Jefferson County, KY: 40205, 40206, 40207, 40208, 40209, 40210, 40211, 40212, 40213, 40214.
Across Jefferson County, KY's scored ZIPs: median home value $287,226, household income $74,732, 8.2% vacancy, 17.0% poverty, 61% owner-occupied, median age 39.9.
Jefferson County, KY insurance distress 83/100 (#274 in the US); FEMA hazard 74/100 for Jefferson, KY; 12 federal disaster declarations in Jefferson County, KY since 2023; 263 Jefferson, KY NFIP flood claims, $13.8M paid; Jefferson, KY construction distress 81/100.
28 banks with 195 branches lend in Jefferson County, KY; Jefferson, KY weighted bank stress 58/100, highest 82/100 in Jefferson, KY.
Jefferson County, KY unemployment 4.3% (Jefferson, KY -0.6 pts, six months); 2,338 new housing units permitted in Jefferson County, KY over twelve months, Jefferson, KY down 31% from 3,396; Jefferson, KY home prices +8.0% a year (Jefferson, KY) over three years.
359,710 housing units in Jefferson County, KY; 125,774 Jefferson, KY renter households; 43% of Jefferson, KY renters spend 30%+ of income on rent, 21% (Jefferson, KY) half or more.
Jefferson County, KY ranks #1,378 nationally on the opportunity index (Jefferson, KY, among all ranked counties); Jefferson, KY scores 29.8/100 and Jefferson, KY sits #78 inside Kentucky. Jefferson, KY is in the early_signal opportunity phase; Jefferson, KY's primary driver is construction, Jefferson, KY second driver bank institutional; Jefferson, KY moved down 30 places. 25 short-sale listings across Jefferson, KY; 118 days on market observed in Jefferson, KY; 7.6% vacancy over 43 Jefferson, KY ZIPs.
1.0% of Jefferson County, KY mortgages were ninety-plus days late in December 2025; Jefferson, KY's thirty-to-eighty-nine-day share was 1.7% (CFPB county sample). Jefferson, KY's ninety-day rate is up 0.2 points on twelve months earlier; the Jefferson, KY peak since 2008 was 3.6% in February 2010; Kentucky overall reads 1.0%.
Jefferson County, KY has 13 watched banks; 13 Jefferson, KY banks sit in an elevated band. Jefferson, KY footprints: Stock Yards Bank&Trust Co (28 branches, stress 51) in Jefferson, KY; Republic Bank&Trust Co (17 branches, stress 29) in Jefferson, KY; River City Bank Inc (6 branches, stress 70) in Jefferson, KY.
HUD lists 106 assisted multifamily properties in Jefferson County, KY with 7,100 units; 3,669 Jefferson, KY units are assisted, 30 Jefferson, KY properties under project-based Section 8.
28,156 of the 359,710 housing units in Jefferson, KY sit vacant. Jefferson County, KY permitted 1,160 multifamily units in twelve months; Jefferson, KY's one-to-four unit structures added 1,178 units in Jefferson County, KY.