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

Spencer County, KY, Kentucky: 8 ZIP codes scored, Spencer County, KY averaging 26/100 (low, Spencer, KY), from 20 to 34. Spencer County, KY is in its peak phase (Spencer, KY confidence 27/100): Spencer, KY home prices up 3.8% (Spencer, KY) over twelve months. Spencer County, KY lender headwind: 19/100.

Highest-scoring Spencer County, KY ZIPs: 40047 (34/100), 40023 (33/100), 40013 (27/100), 40008 (25/100), 40071 (23/100), 40046 (22/100). Also scored in Spencer County, KY: 40065, 40076.

Across Spencer County, KY's scored ZIPs: median home value $294,513, household income $89,914, 7.2% vacancy, 6.8% poverty, 87% owner-occupied, median age 41.3.

Spencer County, KY insurance distress 78/100 (#420 in the US); FEMA hazard 78/100 for Spencer, KY; 14 federal disaster declarations in Spencer County, KY since 2023; 7 Spencer, KY NFIP flood claims, $167K paid; Spencer, KY construction distress 47/100.

2 banks with 3 branches lend in Spencer County, KY; Spencer, KY weighted bank stress 51/100, highest 55/100 in Spencer, KY.

Spencer County, KY unemployment 4.2% (Spencer, KY -0.5 pts, six months); 93 new housing units permitted in Spencer County, KY over twelve months, Spencer, KY up 13% from 82; Spencer, KY home prices +9.4% a year (Spencer, KY) over three years.

7,712 housing units in Spencer County, KY; 945 Spencer, KY renter households; 35% of Spencer, KY renters spend 30%+ of income on rent, 11% (Spencer, KY) half or more.

Spencer County, KY ranks #2,086 nationally on the opportunity index (Spencer, KY, among all ranked counties); Spencer, KY scores 27.4/100 and Spencer, KY sits #107 inside Kentucky. Spencer, KY is in the weak opportunity phase; Spencer, KY's primary driver is bank institutional, Spencer, KY second driver construction; Spencer, KY moved up 332 places. 2 short-sale listings across Spencer, KY; 102 days on market observed in Spencer, KY; 6.9% vacancy over 8 Spencer, KY ZIPs.

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

Spencer County, KY has 1 watched bank; 1 Spencer, KY bank sits in an elevated band. Spencer, KY footprints: Peoples Bank (2 branches, stress 55) in Spencer, KY.

HUD lists 2 assisted multifamily properties in Spencer County, KY with 47 units; 47 Spencer, KY units are assisted.

404 of the 7,712 housing units in Spencer, KY sit vacant. Spencer County, KY permitted 0 multifamily units in twelve months; Spencer, KY's one-to-four unit structures added 93 units in Spencer County, KY.