Scott County, KY: Foreclosures, Tax Liens & Distressed Properties
Scott County, KY, Kentucky: 6 ZIP codes scored, Scott County, KY averaging 26/100 (low, Scott, KY), from 18 to 31. Scott County, KY is in its expansion phase (Scott, KY confidence 40/100): Scott, KY home prices up 5.9% (Scott, KY) over twelve months. Scott County, KY lender headwind: 26/100.
Highest-scoring Scott County, KY ZIPs: 40511 (31/100), 40324 (28/100), 40379 (28/100), 40370 (27/100), 40347 (26/100), 41010 (18/100).
Across Scott County, KY's scored ZIPs: median home value $265,067, household income $80,198, 9.7% vacancy, 12.6% poverty, 77% owner-occupied, median age 42.2.
Scott County, KY insurance distress 60/100 (#890 in the US); FEMA hazard 52/100 for Scott, KY; 6 federal disaster declarations in Scott County, KY since 2023; 9 Scott, KY NFIP flood claims, $85K paid; Scott, KY construction distress 73/100.
10 banks with 16 branches lend in Scott County, KY; Scott, KY weighted bank stress 53/100, highest 66/100 in Scott, KY.
Scott County, KY unemployment 3.5% (Scott, KY -0.3 pts, six months); 343 new housing units permitted in Scott County, KY over twelve months, Scott, KY down 27% from 467; Scott, KY home prices +10.9% a year (Scott, KY) over three years.
23,725 housing units in Scott County, KY; 6,161 Scott, KY renter households; 35% of Scott, KY renters spend 30%+ of income on rent, 14% (Scott, KY) half or more.
Scott County, KY ranks #1,259 nationally on the opportunity index (Scott, KY, among all ranked counties); Scott, KY scores 30.3/100 and Scott, KY sits #79 inside Kentucky. Scott, KY is in the watchlist opportunity phase; Scott, KY's primary driver is construction, Scott, KY second driver bank institutional; Scott, KY moved up 923 places. 41 short-sale listings across Scott, KY; 30 days on market observed in Scott, KY; 5.4% vacancy over 6 Scott, KY ZIPs.
No CFPB county sample covers Scott County, KY. The metro area reading for Scott, KY (Lexington-Fayette, KY): 0.8% ninety-plus days late; Scott, KY's thirty-to-eighty-nine share is 1.3% (Scott, KY, December 2025 data); Kentucky overall 1.0%.
Scott County, KY has 6 watched banks; 6 Scott, KY banks sit in an elevated band. Scott, KY footprints: Whitaker Bank (3 branches, stress 57) in Scott, KY; Central Bank&Trust Co (2 branches, stress 56) in Scott, KY; Stock Yards Bank&Trust Co (2 branches, stress 51) in Scott, KY.
HUD lists 4 assisted multifamily properties in Scott County, KY with 122 units; 98 Scott, KY units are assisted, 3 Scott, KY properties under project-based Section 8.
1,083 of the 23,725 housing units in Scott, KY sit vacant. Scott County, KY permitted 72 multifamily units in twelve months; Scott, KY's one-to-four unit structures added 271 units in Scott County, KY.