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

Morgan County, KY, Kentucky: 8 ZIP codes scored, Morgan County, KY averaging 29/100 (low, Morgan, KY), from 23 to 35. Morgan County, KY is in its expansion phase (Morgan, KY confidence 33/100): Morgan, KY home prices up 5.3% (Morgan, KY) over twelve months. Morgan County, KY lender headwind: 57/100.

Highest-scoring Morgan County, KY ZIPs: 41219 (35/100), 41352 (29/100), 41408 (29/100), 41421 (29/100), 41425 (29/100), 41472 (29/100). Also scored in Morgan County, KY: 41332, 40387.

Across Morgan County, KY's scored ZIPs: median home value $103,529, household income $45,709, 17.0% vacancy, 22.7% poverty, 84% owner-occupied, median age 43.5.

Morgan County, KY insurance distress 84/100 (#247 in the US); FEMA hazard 84/100 for Morgan, KY; 12 federal disaster declarations in Morgan County, KY since 2023; 5 Morgan, KY NFIP flood claims, $340K paid; Morgan, KY construction distress 100/100.

4 banks with 7 branches lend in Morgan County, KY; Morgan, KY weighted bank stress 67/100, highest 78/100 in Morgan, KY.

Morgan County, KY unemployment 4.9% (Morgan, KY -2.3 pts, six months); Morgan, KY home prices +15.3% a year (Morgan, KY) over three years.

5,685 housing units in Morgan County, KY; 1,033 Morgan, KY renter households; 28% of Morgan, KY renters spend 30%+ of income on rent, 15% (Morgan, KY) half or more.

Morgan County, KY ranks #246 nationally on the opportunity index (Morgan, KY, among all ranked counties); Morgan, KY scores 35.4/100 and Morgan, KY sits #23 inside Kentucky. Morgan, KY is in the peak_opportunity opportunity phase; Morgan, KY's primary driver is construction, Morgan, KY second driver vacancy; Morgan, KY moved down 21 places. 3 short-sale listings across Morgan, KY; 81 days on market observed in Morgan, KY; 15.5% vacancy over 8 Morgan, KY ZIPs.

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

Morgan County, KY has 4 watched banks; 4 Morgan, KY banks sit in an elevated band. Morgan, KY footprints: Bank Of The Mountains Inc (3 branches, stress 78) in Morgan, KY; Commercial Bank (2 branches, stress 66) in Morgan, KY; Citizens Bank (1 branch, stress 54) in Morgan, KY.

HUD lists 2 assisted multifamily properties in Morgan County, KY with 68 units; 48 Morgan, KY units are assisted, 1 Morgan, KY properties under project-based Section 8.

803 of the 5,685 housing units in Morgan, KY sit vacant.