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

Madison County, KY, Kentucky: 5 ZIP codes scored, Madison County, KY averaging 31/100 (moderate, Madison, KY), from 28 to 32. Madison County, KY is in its peak phase (Madison, KY confidence 22/100): Madison, KY home prices up 4.4% (Madison, KY) over twelve months. Madison County, KY lender headwind: 47/100.

Highest-scoring Madison County, KY ZIPs: 40385 (32/100), 40404 (32/100), 40475 (32/100), 40403 (31/100), 40461 (28/100).

Across Madison County, KY's scored ZIPs: median home value $210,250, household income $62,090, 12.5% vacancy, 14.7% poverty, 72% owner-occupied, median age 35.2.

Madison County, KY insurance distress 77/100 (#450 in the US); FEMA hazard 68/100 for Madison, KY; 10 federal disaster declarations in Madison County, KY since 2023; 32 Madison, KY NFIP flood claims, $1.2M paid; Madison, KY construction distress 69/100.

17 banks with 35 branches lend in Madison County, KY; Madison, KY weighted bank stress 61/100, highest 80/100 in Madison, KY.

Madison County, KY unemployment 4.8% (Madison, KY -0.1 pts, six months); 550 new housing units permitted in Madison County, KY over twelve months, Madison, KY down 19% from 677; Madison, KY home prices +10.2% a year (Madison, KY) over three years.

40,456 housing units in Madison County, KY; 13,807 Madison, KY renter households; 40% of Madison, KY renters spend 30%+ of income on rent, 19% (Madison, KY) half or more.

Madison County, KY ranks #696 nationally on the opportunity index (Madison, KY, among all ranked counties); Madison, KY scores 32.4/100 and Madison, KY sits #47 inside Kentucky. Madison, KY is in the watchlist opportunity phase; Madison, KY's primary driver is construction, Madison, KY second driver bank institutional; Madison, KY moved up 386 places. 49 short-sale listings across Madison, KY; 58 days on market observed in Madison, KY; 7.9% vacancy over 5 Madison, KY ZIPs.

No CFPB county sample covers Madison County, KY. The non-metro area reading for Madison, KY: 1.1% ninety-plus days late; Madison, KY's thirty-to-eighty-nine share is 3.0% (Madison, KY, December 2025 data); Kentucky overall 1.0%.

Madison County, KY has 12 watched banks; 12 Madison, KY banks sit in an elevated band. Madison, KY footprints: Whitaker Bank (9 branches, stress 57) in Madison, KY; Cumberland Valley Nb&T Co (3 branches, stress 70) in Madison, KY; Citizens Guaranty Bank (3 branches, stress 66) in Madison, KY.

HUD lists 5 assisted multifamily properties in Madison County, KY with 354 units; 328 Madison, KY units are assisted, 3 Madison, KY properties under project-based Section 8.

3,405 of the 40,456 housing units in Madison, KY sit vacant. Madison County, KY permitted 90 multifamily units in twelve months; Madison, KY's one-to-four unit structures added 460 units in Madison County, KY.