Distressed Properties in Kentucky
DLRadar scores 120 Kentucky counties on market cycle, bank stress and insurance distress. 2 are in contraction or recovery; Kentucky home prices average +5% year over year.
Kentucky averages 61/100 bank stress and 66/100 insurance distress.
Furthest through the turn in Kentucky: Hardin County (-1.1%), Larue County (-1.1%).
Kentucky residential listings tracked: 1,555 across 747 ZIPs; Kentucky candidate listings 385; 188 Kentucky ZIPs read active. Busiest Kentucky ZIPs: 40475 95 listings, 7 candidates; 40601 81 listings, 8 candidates; 40324 78 listings, 3 candidates in Kentucky; 41042 70 listings, 5 candidates; 42101 67 listings, 10 candidates; 42701 61 listings, 15 candidates.
HUD lists 421 assisted multifamily properties in Kentucky with 23,574 units, 14,810 of the Kentucky units assisted.
Kentucky ZIPs by price-cycle phase: 831 peak, 489 expansion, 97 neutral, 10 contraction, 5 recovery.
Kentucky ninety-day mortgage delinquency 1.0% as of December 2025; highest sampled Kentucky counties: Boone 1.2%, Jefferson 1.0%, Fayette 0.7%.
Counties tracked
120
Markets softening
2
Kentucky: contraction / recovery
Avg home price
+5%
Kentucky YoY
Avg bank stress
61/100
Kentucky counties
Kentucky counties to watch
1. Hardin County-1.1% YoY, 1.9% off peak, bank 58/100 (13 banks), insurance 79/100Contraction2. Larue County-1.1% YoY, 1.9% off peak, bank 56/100 (3 banks), insurance 38/100Contraction3. Christian County+1.9% YoY, 2.5% off peak, bank 61/100 (8 banks), insurance 82/100Peak4. Trigg County+1.9% YoY, 2.5% off peak, bank 75/100 (3 banks), insurance 40/100Peak5. Edmonson County+2.1% YoY, bank 58/100 (2 banks), insurance 38/100Peak6. Allen County+2.1% YoY, bank 50/100 (4 banks), insurance 75/100Peak7. Warren County+2.1% YoY, bank 62/100 (22 banks), insurance 81/100Peak8. Butler County+2.1% YoY, bank 75/100 (2 banks), insurance 84/100Peak9. Kenton County+3.5% YoY, bank 62/100 (18 banks), insurance 72/100Peak10. Boone County+3.5% YoY, bank 62/100 (17 banks), insurance 58/100Peak11. Grant County+3.5% YoY, bank 77/100 (3 banks), insurance 37/100Peak12. Gallatin County+3.5% YoY, bank 54/100 (3 banks), insurance 70/100Peak13. Bracken County+3.5% YoY, bank 66/100 (2 banks), insurance 74/100Peak14. Pendleton County+3.5% YoY, bank 70/100 (4 banks), insurance 71/100Peak15. Campbell County+3.5% YoY, bank 59/100 (11 banks), insurance 73/100Peak16. Shelby County+3.8% YoY, bank 52/100 (9 banks), insurance 27/100Peak17. Oldham County+3.8% YoY, bank 61/100 (10 banks), insurance 79/100Peak18. Spencer County+3.8% YoY, bank 51/100 (2 banks), insurance 78/100Peak19. Jefferson County+3.8% YoY, bank 58/100 (28 banks), insurance 83/100Peak20. Nelson County+3.8% YoY, bank 51/100 (6 banks), insurance 74/100Peak21. Meade County+3.8% YoY, bank 66/100 (3 banks), insurance 79/100Peak22. Henry County+3.8% YoY, bank 65/100 (3 banks), insurance 76/100Peak23. Bullitt County+3.8% YoY, bank 54/100 (8 banks), insurance 81/100Peak24. Madison County+4.4% YoY, bank 61/100 (17 banks), insurance 77/100Peak25. Anderson County+4.4% YoY, bank 49/100 (4 banks), insurance 82/100Peak26. Barren County+4.4% YoY, bank 59/100 (9 banks), insurance 40/100Peak27. Bath County+4.4% YoY, bank 72/100 (3 banks), insurance 69/100Peak28. Bell County+4.4% YoY, bank 56/100 (3 banks), insurance 75/100Peak29. Boyle County+4.4% YoY, bank 60/100 (9 banks), insurance 27/100Peak30. Calloway County+4.4% YoY, bank 67/100 (10 banks), insurance 70/100Peak31. Clay County+4.4% YoY, bank 69/100 (2 banks), insurance 82/100Peak32. Estill County+4.4% YoY, bank 83/100 (2 banks), insurance 85/100Peak33. Floyd County+4.4% YoY, bank 57/100 (4 banks), insurance 79/100Peak34. Franklin County+4.4% YoY, bank 60/100 (13 banks), insurance 90/100Peak35. Graves County+4.4% YoY, bank 72/100 (7 banks), insurance 69/100Peak36. Green County+4.4% YoY, bank 57/100 (4 banks), insurance 78/100Peak37. Henderson County+4.4% YoY, bank 61/100 (8 banks), insurance 81/100Peak38. Hopkins County+4.4% YoY, bank 65/100 (9 banks), insurance 80/100Peak39. Knox County+4.4% YoY, bank 66/100 (6 banks), insurance 70/100Peak40. Laurel County+4.4% YoY, bank 64/100 (12 banks), insurance 75/100Peak41. Lincoln County+4.4% YoY, bank 56/100 (4 banks), insurance 65/100Peak42. Menifee County+4.4% YoY, bank 71/100 (1 banks), insurance 45/100Peak43. Metcalfe County+4.4% YoY, bank 41/100 (2 banks), insurance 43/100Peak44. Montgomery County+4.4% YoY, bank 64/100 (6 banks), insurance 38/100Peak45. Pike County+4.4% YoY, bank 53/100 (7 banks), insurance 77/100Peak46. Pulaski County+4.4% YoY, bank 59/100 (12 banks), insurance 73/100Peak47. Rockcastle County+4.4% YoY, bank 54/100 (4 banks), insurance 81/100Peak48. Simpson County+4.4% YoY, bank 50/100 (4 banks), insurance 79/100Peak49. Taylor County+4.4% YoY, bank 59/100 (5 banks), insurance 32/100Peak50. Webster County+4.4% YoY, bank 68/100 (4 banks), insurance 68/100Peak51. Whitley County+4.4% YoY, bank 67/100 (6 banks), insurance 40/100Peak52. Breathitt County+5.3% YoY, bank 64/100 (2 banks), insurance 86/100Expansion53. Hickman County+5.3% YoY, bank 66/100 (2 banks), insurance 38/100Expansion54. Wolfe County+5.3% YoY, bank 66/100 (2 banks), insurance 43/100Expansion55. Jackson County+5.3% YoY, bank 27/100 (2 banks), insurance 87/100Expansion56. Elliott County+5.3% YoY, bank 49/100 (2 banks), insurance 43/100Expansion57. Robertson County+5.3% YoY, bank 55/100 (1 banks), insurance 43/100Expansion58. Fleming County+5.3% YoY, bank 66/100 (2 banks), insurance 65/100Expansion59. Wayne County+5.3% YoY, bank 72/100 (4 banks), insurance 40/100Expansion60. Rowan County+5.3% YoY, bank 55/100 (8 banks), insurance 73/100Expansion61. Fulton County+5.3% YoY, bank 55/100 (2 banks), insurance 62/100Expansion62. Garrard County+5.3% YoY, bank 64/100 (4 banks), insurance 79/100Expansion63. Cumberland County+5.3% YoY, bank 49/100 (2 banks), insurance 40/100Expansion64. Russell County+5.3% YoY, bank 60/100 (7 banks), insurance 38/100Expansion65. Grayson County+5.3% YoY, bank 55/100 (4 banks), insurance 75/100Expansion66. Hancock County+5.3% YoY, bank 67/100 (2 banks), insurance 66/100Expansion67. Crittenden County+5.3% YoY, bank 65/100 (3 banks), insurance 74/100Expansion68. Harlan County+5.3% YoY, bank 67/100 (5 banks), insurance 78/100Expansion69. Harrison County+5.3% YoY, bank 53/100 (3 banks), insurance 74/100Expansion70. Hart County+5.3% YoY, bank 45/100 (5 banks), insurance 50/100Expansion71. Clinton County+5.3% YoY, bank 64/100 (3 banks), insurance 74/100Expansion72. Johnson County+5.3% YoY, bank 54/100 (5 banks), insurance 84/100Expansion73. Casey County+5.3% YoY, bank 71/100 (3 banks), insurance 68/100Expansion74. Knott County+5.3% YoY, bank 76/100 (2 banks), insurance 76/100Expansion75. Lee County+5.3% YoY, bank 70/100 (3 banks), insurance 89/100Expansion76. Leslie County+5.3% YoY, bank 70/100 (1 banks), insurance 69/100Expansion77. Letcher County+5.3% YoY, bank 51/100 (2 banks), insurance 80/100Expansion78. Lewis County+5.3% YoY, bank 63/100 (4 banks), insurance 43/100Expansion79. Todd County+5.3% YoY, bank 60/100 (3 banks), insurance 68/100Expansion80. Logan County+5.3% YoY, bank 64/100 (8 banks), insurance 76/100Expansion81. Lyon County+5.3% YoY, bank 66/100 (4 banks), insurance 38/100Expansion82. Mccreary County+5.3% YoY, bank 48/100 (1 banks), insurance 38/100Expansion83. Adair County+5.3% YoY, bank 50/100 (5 banks), insurance 38/100Expansion84. Magoffin County+5.3% YoY, bank 55/100 (3 banks), insurance 78/100Expansion85. Marion County+5.3% YoY, bank 69/100 (6 banks), insurance 32/100Expansion86. Marshall County+5.3% YoY, bank 69/100 (6 banks), insurance 79/100Expansion87. Martin County+5.3% YoY, bank 67/100 (2 banks), insurance 78/100Expansion88. Mason County+5.3% YoY, bank 49/100 (6 banks), insurance 32/100Expansion89. Carroll County+5.3% YoY, bank 66/100 (5 banks), insurance 73/100Expansion90. Mercer County+5.3% YoY, bank 57/100 (4 banks), insurance 78/100Expansion91. Trimble County+5.3% YoY, bank 71/100 (2 banks), insurance 72/100Expansion92. Monroe County+5.3% YoY, bank 51/100 (2 banks), insurance 38/100Expansion93. Union County+5.3% YoY, bank 61/100 (4 banks), insurance 53/100Expansion94. Morgan County+5.3% YoY, bank 67/100 (4 banks), insurance 84/100Expansion95. Muhlenberg County+5.3% YoY, bank 64/100 (6 banks), insurance 66/100Expansion96. Nicholas County+5.3% YoY, bank 49/100 (1 banks), insurance 43/100Expansion97. Ohio County+5.3% YoY, bank 69/100 (6 banks), insurance 76/100Expansion98. Caldwell County+5.3% YoY, bank 67/100 (4 banks), insurance 73/100Expansion99. Owen County+5.3% YoY, bank 57/100 (2 banks), insurance 73/100Expansion100. Owsley County+5.3% YoY, bank 76/100 (1 banks), insurance 47/100Expansion101. Breckinridge County+5.3% YoY, bank 56/100 (3 banks), insurance 50/100Expansion102. Perry County+5.3% YoY, bank 68/100 (5 banks), insurance 81/100Expansion103. Powell County+5.3% YoY, bank 69/100 (4 banks), insurance 84/100Expansion104. Washington County+5.3% YoY, bank 64/100 (2 banks), insurance 83/100Expansion105. Scott County+5.9% YoY, bank 53/100 (10 banks), insurance 60/100Expansion106. Woodford County+5.9% YoY, bank 51/100 (5 banks), insurance 83/100Expansion107. Clark County+5.9% YoY, bank 58/100 (9 banks), insurance 82/100Expansion108. Bourbon County+5.9% YoY, bank 62/100 (4 banks), insurance 67/100Expansion109. Jessamine County+5.9% YoY, bank 61/100 (11 banks), insurance 82/100Expansion110. Fayette County+5.9% YoY, bank 60/100 (31 banks), insurance 72/100Expansion111. Lawrence County+7.3% YoY, bank 52/100 (4 banks), insurance 43/100Expansion112. Greenup County+7.3% YoY, bank 68/100 (4 banks), insurance 89/100Expansion113. Boyd County+7.3% YoY, bank 48/100 (8 banks), insurance 74/100Expansion114. Carter County+7.3% YoY, bank 57/100 (4 banks), insurance 80/100Expansion115. Carlisle County+11.3% YoY, bank 60/100 (2 banks), insurance 40/100Expansion116. Mccracken County+11.3% YoY, bank 63/100 (10 banks), insurance 79/100Expansion117. Livingston County+11.3% YoY, bank 65/100 (2 banks), insurance 76/100Expansion118. Ballard County+11.3% YoY, bank 66/100 (3 banks), insurance 38/100Expansion119. Mclean County+11.4% YoY, bank 61/100 (4 banks), insurance 80/100Expansion120. Daviess County+11.4% YoY, bank 62/100 (12 banks), insurance 72/100Expansion
Distressed properties in Kentucky — FAQ
How do I find Kentucky distressed properties?
Start with the 2 of 120 Kentucky counties in contraction or recovery, led by Hardin County, then open each Kentucky county's ZIP scores.
Where does the Kentucky data come from?
Kentucky price cycle from FHFA; Kentucky bank stress (61/100) from FDIC call reports; Kentucky insurance distress (66/100) from FEMA and NFIP.