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

Mercer County, KY, Kentucky: 5 ZIP codes scored, Mercer County, KY averaging 24/100 (low, Mercer, KY), from 19 to 26. Mercer County, KY is in its expansion phase (Mercer, KY confidence 33/100): Mercer, KY home prices up 5.3% (Mercer, KY) over twelve months. Mercer County, KY lender headwind: 37/100.

Highest-scoring Mercer County, KY ZIPs: 40310 (26/100), 40372 (26/100), 40330 (25/100), 40342 (22/100), 40468 (19/100).

Across Mercer County, KY's scored ZIPs: median home value $190,520, household income $67,908, 12.4% vacancy, 10.5% poverty, 79% owner-occupied, median age 42.7.

Mercer County, KY insurance distress 78/100 (#432 in the US); FEMA hazard 68/100 for Mercer, KY; 10 federal disaster declarations in Mercer County, KY since 2023; 29 Mercer, KY NFIP flood claims, $1.5M paid; Mercer, KY construction distress 53/100.

4 banks with 8 branches lend in Mercer County, KY; Mercer, KY weighted bank stress 57/100, highest 64/100 in Mercer, KY.

Mercer County, KY unemployment 4.2% (Mercer, KY -0.5 pts, six months); 149 new housing units permitted in Mercer County, KY over twelve months, Mercer, KY down 3% from 154; Mercer, KY home prices +13.5% a year (Mercer, KY) over three years.

10,472 housing units in Mercer County, KY; 2,089 Mercer, KY renter households; 38% of Mercer, KY renters spend 30%+ of income on rent, 18% (Mercer, KY) half or more.

Mercer County, KY ranks #794 nationally on the opportunity index (Mercer, KY, among all ranked counties); Mercer, KY scores 32.0/100 and Mercer, KY sits #54 inside Kentucky. Mercer, KY is in the watchlist opportunity phase; Mercer, KY's primary driver is vacancy, Mercer, KY second driver construction; Mercer, KY moved up 369 places. 2 short-sale listings across Mercer, KY; 113 days on market observed in Mercer, KY; 11.8% vacancy over 5 Mercer, KY ZIPs.

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

Mercer County, KY has 3 watched banks; 3 Mercer, KY banks sit in an elevated band. Mercer, KY footprints: Farmers Nb Of Danville (3 branches, stress 64) in Mercer, KY; Whitaker Bank (3 branches, stress 57) in Mercer, KY; Community Trust Bank Inc (1 branch, stress 47) in Mercer, KY.

HUD lists 1 assisted multifamily property in Mercer County, KY with 63 units; 60 Mercer, KY units are assisted, 1 Mercer, KY properties under project-based Section 8.

1,291 of the 10,472 housing units in Mercer, KY sit vacant. Mercer County, KY permitted 32 multifamily units in twelve months; Mercer, KY's one-to-four unit structures added 117 units in Mercer County, KY.