Rowan County, KY: Foreclosures, Tax Liens & Distressed Properties
Rowan County, KY, Kentucky: 4 ZIP codes scored, Rowan County, KY averaging 25/100 (low, Rowan, KY), from 19 to 27. Rowan County, KY is in its expansion phase (Rowan, KY confidence 33/100): Rowan, KY home prices up 5.3% (Rowan, KY) over twelve months. Rowan County, KY lender headwind: 32/100.
Highest-scoring Rowan County, KY ZIPs: 40313 (27/100), 40351 (27/100), 41049 (26/100), 41164 (19/100).
Across Rowan County, KY's scored ZIPs: median home value $140,450, household income $52,828, 15.9% vacancy, 18.8% poverty, 73% owner-occupied, median age 41.0.
Rowan County, KY insurance distress 73/100 (#550 in the US); FEMA hazard 74/100 for Rowan, KY; 8 federal disaster declarations in Rowan County, KY since 2023; 3 Rowan, KY NFIP flood claims, $82K paid; Rowan, KY construction distress 72/100.
8 banks with 11 branches lend in Rowan County, KY; Rowan, KY weighted bank stress 55/100, highest 77/100 in Rowan, KY.
Rowan County, KY unemployment 5.1% (Rowan, KY -0.1 pts, six months); 25 new housing units permitted in Rowan County, KY over twelve months, Rowan, KY down 22% from 32; Rowan, KY home prices +8.8% a year (Rowan, KY) over three years.
10,623 housing units in Rowan County, KY; 3,450 Rowan, KY renter households; 42% of Rowan, KY renters spend 30%+ of income on rent, 20% (Rowan, KY) half or more.
Rowan County, KY ranks #638 nationally on the opportunity index (Rowan, KY, among all ranked counties); Rowan, KY scores 32.7/100 and Rowan, KY sits #41 inside Kentucky. Rowan, KY is in the peak_opportunity opportunity phase; Rowan, KY's primary driver is construction, Rowan, KY second driver vacancy; Rowan, KY moved up 644 places. 1 short-sale listings across Rowan, KY; 90 days on market observed in Rowan, KY; 11.4% vacancy over 4 Rowan, KY ZIPs.
No CFPB county sample covers Rowan County, KY. The non-metro area reading for Rowan, KY: 1.1% ninety-plus days late; Rowan, KY's thirty-to-eighty-nine share is 3.0% (Rowan, KY, December 2025 data); Kentucky overall 1.0%.
Rowan County, KY has 6 watched banks; 6 Rowan, KY banks sit in an elevated band. Rowan, KY footprints: Whitaker Bank (2 branches, stress 57) in Rowan, KY; Citizens Bank (2 branches, stress 54) in Rowan, KY; Stock Yards Bank&Trust Co (2 branches, stress 51) in Rowan, KY.
HUD lists 2 assisted multifamily properties in Rowan County, KY with 51 units; 51 Rowan, KY units are assisted, 1 Rowan, KY properties under project-based Section 8.
1,031 of the 10,623 housing units in Rowan, KY sit vacant. Rowan County, KY permitted 20 multifamily units in twelve months; Rowan, KY's one-to-four unit structures added 5 units in Rowan County, KY.