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

Oldham County, KY, Kentucky: 11 ZIP codes scored, Oldham County, KY averaging 31/100 (moderate, Oldham, KY), from 22 to 38. Oldham County, KY is in its peak phase (Oldham, KY confidence 27/100): Oldham, KY home prices up 3.8% (Oldham, KY) over twelve months. Oldham County, KY lender headwind: 51/100.

Highest-scoring Oldham County, KY ZIPs: 40241 (38/100), 40059 (34/100), 40245 (34/100), 40010 (31/100), 40014 (31/100), 40026 (31/100). Also scored in Oldham County, KY: 40056, 40077, 40031, 40055, 40068.

Across Oldham County, KY's scored ZIPs: median home value $390,300, household income $116,076, 5.6% vacancy, 5.3% poverty, 83% owner-occupied, median age 41.4.

Oldham County, KY insurance distress 79/100 (#380 in the US); FEMA hazard 68/100 for Oldham, KY; 10 federal disaster declarations in Oldham County, KY since 2023; 154 Oldham, KY NFIP flood claims, $8.0M paid; Oldham, KY construction distress 66/100.

10 banks with 14 branches lend in Oldham County, KY; Oldham, KY weighted bank stress 61/100, highest 78/100 in Oldham, KY.

Oldham County, KY unemployment 3.7% (Oldham, KY -0.1 pts, six months); 259 new housing units permitted in Oldham County, KY over twelve months, Oldham, KY down 15% from 305; Oldham, KY home prices +9.2% a year (Oldham, KY) over three years.

23,837 housing units in Oldham County, KY; 2,683 Oldham, KY renter households; 35% of Oldham, KY renters spend 30%+ of income on rent, 12% (Oldham, KY) half or more.

Oldham County, KY ranks #2,996 nationally on the opportunity index (Oldham, KY, among all ranked counties); Oldham, KY scores 23.2/100 and Oldham, KY sits #120 inside Kentucky. Oldham, KY is in the weak opportunity phase; Oldham, KY's primary driver is construction, Oldham, KY second driver bank institutional; Oldham, KY moved down 384 places. 1 short-sale listings across Oldham, KY; 52 days on market observed in Oldham, KY; 4.4% vacancy over 11 Oldham, KY ZIPs.

No CFPB county sample covers Oldham County, KY. The metro area reading for Oldham, KY (Louisville/Jefferson County, KY-IN): 1.1% ninety-plus days late; Oldham, KY's thirty-to-eighty-nine share is 2.0% (Oldham, KY, December 2025 data); Kentucky overall 1.0%.

Oldham County, KY has 5 watched banks; 5 Oldham, KY banks sit in an elevated band. Oldham, KY footprints: Stock Yards Bank&Trust Co (3 branches, stress 51) in Oldham, KY; Farmers Bank Of Milton (2 branches, stress 78) in Oldham, KY; United Citizens B&T Co (1 branch, stress 71) in Oldham, KY.

HUD lists 3 assisted multifamily properties in Oldham County, KY with 65 units; 64 Oldham, KY units are assisted, 1 Oldham, KY properties under project-based Section 8.

812 of the 23,837 housing units in Oldham, KY sit vacant. Oldham County, KY permitted 0 multifamily units in twelve months; Oldham, KY's one-to-four unit structures added 259 units in Oldham County, KY.