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

Whitley County, KY, Kentucky: 7 ZIP codes scored, Whitley County, KY averaging 25/100 (low, Whitley, KY), from 22 to 28. Whitley County, KY is in its peak phase (Whitley, KY confidence 22/100): Whitley, KY home prices up 4.4% (Whitley, KY) over twelve months. Whitley County, KY lender headwind: 54/100.

Highest-scoring Whitley County, KY ZIPs: 40906 (28/100), 40771 (27/100), 40701 (26/100), 40940 (25/100), 40759 (23/100), 40763 (23/100). Also scored in Whitley County, KY: 40769.

Across Whitley County, KY's scored ZIPs: median home value $116,483, household income $40,353, 22.9% vacancy, 36.8% poverty, 68% owner-occupied, median age 37.5.

Whitley County, KY insurance distress 40/100 (#1,308 in the US); FEMA hazard 78/100 for Whitley, KY; 16 federal disaster declarations in Whitley County, KY since 2023; Whitley, KY construction distress 45/100.

6 banks with 12 branches lend in Whitley County, KY; Whitley, KY weighted bank stress 67/100, highest 86/100 in Whitley, KY.

Whitley County, KY unemployment 4.3% (Whitley, KY -0.2 pts, six months); 54 new housing units permitted in Whitley County, KY over twelve months, Whitley, KY up 6% from 51; Whitley, KY home prices +10.5% a year (Whitley, KY) over three years.

15,629 housing units in Whitley County, KY; 4,515 Whitley, KY renter households; 35% of Whitley, KY renters spend 30%+ of income on rent, 17% (Whitley, KY) half or more.

Whitley County, KY ranks #400 nationally on the opportunity index (Whitley, KY, among all ranked counties); Whitley, KY scores 33.9/100 and Whitley, KY sits #31 inside Kentucky. Whitley, KY is in the peak_opportunity opportunity phase; Whitley, KY's primary driver is vacancy, Whitley, KY second driver bank institutional; Whitley, KY moved up 280 places. 3 short-sale listings across Whitley, KY; 81 days on market observed in Whitley, KY; 13.6% vacancy over 7 Whitley, KY ZIPs.

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

Whitley County, KY has 5 watched banks; 5 Whitley, KY banks sit in an elevated band. Whitley, KY footprints: Hometown Bank Of Corbin Inc (3 branches, stress 86) in Whitley, KY; Whitaker Bank (3 branches, stress 57) in Whitley, KY; Forcht Bank National Assn (2 branches, stress 80) in Whitley, KY.

HUD lists 1 assisted multifamily property in Whitley County, KY with 34 units.

2,088 of the 15,629 housing units in Whitley, KY sit vacant. Whitley County, KY permitted 6 multifamily units in twelve months; Whitley, KY's one-to-four unit structures added 48 units in Whitley County, KY.