Kentucky
Last checked 2026-06-16
137
Designated tracts (of 546 eligible)
90
Rural designated — QROF treatment
53
Former OZ 1.0 tracts redesignated
57
Days until designations take effect
How Kentucky chose
Treasury published the final list on October 30, 2026. Kentucky designated 137 of 546 eligible tracts, its full allocation, in 76 of 109 counties with eligible tracts. Designations take effect January 1, 2027 and run through December 31, 2036. Treasury's October list has 1 more eligible tract here than the April appendix, qualified under its missing-data rules; 0 were designated.
Compared with the eligible tracts it passed over, Kentucky favored more populous tracts, former OZ 1.0 tracts and tracts with prior NMTC deals.
| Trait | Designated | Passed over |
|---|---|---|
| Former OZ 1.0 tract | 38.7% | 20.3% |
| Rural (QROF) | 65.7% | 71.4% |
| Urban Institute Tier 1 | 21.2% | 13% |
| Median poverty rate | 25.3% | 25.5% |
| Median family income, % of area | 66.3% | 66.1% |
| Residents of color (mean) | 20.6% | 22.5% |
| Median density, people / sq mi | 238 | 206 |
Poverty and income: Treasury's own eligibility figures (ACS 2020–2024). Demographics: ACS 2020–2024. Former OZ 1.0 = at least half the tract's land area was in a 2018 QOZ. How every state compares →
Record: how Kentucky ran its nomination input process
Nomination process
Community input window closed 2026-05-29. The state is now in internal review.
Map: designated and eligible tracts
Loading 546 eligible tracts…
Designated tracts by county
The county is usually the first local partner on an OZ deal — zoning, infrastructure, incentives. CDEs listed are New Markets Tax Credit allocatees that have already financed deals inside this county's designated tracts: the organizations with a working track record of underwriting there.
| County | Designated / eligible | Rural | OZ 1.0 kept / lost | Residents | NMTC CDEs active in designated tracts |
|---|---|---|---|---|---|
| Jefferson County | 18 / 86 | — | 12 / 12 | 59,022 | Advantage Capital Community Development Fund, LLC; Brownfield Revitalization, LLC; CBSI Development Fund, Inc.; CDF Development, LLC; Community Ventures Corporation, Inc.; Consortium America, LLC; Liberty Bank and Trust Company; Local Initiatives Support Corporation; National City New Market Fund, Inc.; PNC Community Partners, Inc.; People Incorporated Financial Services; Reinvestment Fund, Inc., The; Stonehenge Community Development, LLC; USBCDE, LLC; Urban Development Fund, LLC |
| Kenton County | 7 / 13 | — | 3 / 2 | 19,488 | Urban Action Community Development LLC |
| Boone County | 5 / 5 | — | 0 / 1 | 20,209 | — |
| Campbell County | 5 / 7 | — | 0 / 1 | 16,128 | — |
| Fayette County | 5 / 29 | — | 3 / 4 | 18,124 | Brownfield Revitalization, LLC; CV Appalachian CDE, Inc.; Community Development Venture Capital Alliance, The; Community Hospitality Healthcare Services, LLC; Community Ventures Corporation, Inc. |
| Warren County | 3 / 10 | — | 1 / 0 | 11,539 | Community Ventures Corporation, Inc.; People Incorporated Financial Services; USBCDE, LLC |
| Whitley County | 3 / 9 | 3 | 0 / 4 | 11,837 | Community Trust Community Development Corporation |
| Bell County | 2 / 8 | 2 | 0 / 1 | 5,486 | — |
| Carroll County | 2 / 2 | 2 | 0 / 1 | 4,703 | — |
| Daviess County | 2 / 7 | — | 2 / 0 | 5,183 | Advantage Capital Community Development Fund, LLC; Community Ventures Corporation, Inc. |
| Fleming County | 2 / 2 | 2 | 1 / 0 | 9,192 | — |
| Floyd County | 2 / 12 | 2 | 1 / 0 | 5,293 | CNC Development Corporation, Inc.; Community Trust Community Development Corporation |
| Franklin County | 2 / 5 | 2 | 1 / 0 | 5,589 | WesBanco Bank Community Development Corp. |
| Garrard County | 2 / 3 | 2 | 0 / 0 | 6,303 | — |
| Harlan County | 2 / 9 | 2 | 1 / 0 | 4,373 | — |
| Jessamine County | 2 / 3 | — | 1 / 0 | 7,806 | — |
| Knott County | 2 / 4 | 2 | 1 / 0 | 5,502 | National Community Investment Fund |
| Knox County | 2 / 10 | 2 | 0 / 2 | 6,819 | Community Trust Community Development Corporation |
| Laurel County | 2 / 9 | 2 | 0 / 0 | 10,035 | Community Trust Community Development Corporation; Kentucky Highlands Investment Corporation |
| Lewis County | 2 / 3 | 2 | 0 / 1 | 7,971 | — |
| McCracken County | 2 / 8 | 2 | 0 / 2 | 5,661 | — |
| McCreary County | 2 / 6 | 2 | 1 / 1 | 7,133 | Kentucky Highlands Investment Corporation |
| Pendleton County | 2 / 2 | 2 | 0 / 0 | 7,874 | — |
| Perry County | 2 / 9 | 2 | 2 / 3 | 7,456 | — |
| Pike County | 2 / 17 | 2 | 1 / 8 | 6,358 | Community Trust Community Development Corporation |
| Rockcastle County | 2 / 3 | 2 | 0 / 0 | 6,356 | Community Trust Community Development Corporation; Five Points Community Capital, LLC; Kentucky Highlands Investment Corporation |
| Russell County | 2 / 3 | 2 | 0 / 1 | 7,725 | — |
| Todd County | 2 / 2 | 2 | 1 / 0 | 8,141 | Advantage Capital Community Development Fund, LLC |
| Wayne County | 2 / 7 | 2 | 0 / 2 | 5,587 | — |
| Adair County | 1 / 4 | 1 | 1 / 0 | 2,296 | Community Ventures Corporation, Inc. |
| Ballard County | 1 / 1 | 1 | 1 / 1 | 2,371 | — |
| Bath County | 1 / 4 | 1 | 0 / 2 | 2,401 | — |
| Boyle County | 1 / 2 | 1 | 1 / 0 | 3,439 | — |
| Bracken County | 1 / 1 | 1 | 0 / 1 | 4,058 | — |
| Breckinridge County | 1 / 3 | 1 | 0 / 0 | 5,212 | — |
| Calloway County | 1 / 5 | 1 | 0 / 1 | 4,204 | People Incorporated Financial Services |
| Carter County | 1 / 2 | 1 | 0 / 1 | 4,838 | — |
| Christian County | 1 / 9 | 1 | 0 / 1 | 4,482 | — |
| Clark County | 1 / 2 | 1 | 0 / 1 | 3,178 | AMCREF Community Capital, LLC |
| Clay County | 1 / 7 | 1 | 1 / 2 | 2,865 | — |
| Crittenden County | 1 / 2 | 1 | 0 / 0 | 4,227 | — |
| Fulton County | 1 / 2 | 1 | 0 / 1 | 2,632 | — |
| Gallatin County | 1 / 2 | 1 | 1 / 1 | 4,033 | — |
| Graves County | 1 / 4 | 1 | 1 / 0 | 4,644 | — |
| Grayson County | 1 / 5 | 1 | 0 / 0 | 3,915 | — |
| Hardin County | 1 / 5 | 1 | 0 / 0 | 3,413 | — |
| Harrison County | 1 / 1 | 1 | 0 / 0 | 4,809 | Advantage Capital Community Development Fund, LLC; People Incorporated Financial Services |
| Henry County | 1 / 2 | 1 | 0 / 0 | 3,656 | — |
| Hickman County | 1 / 1 | 1 | 0 / 0 | 4,439 | — |
| Hopkins County | 1 / 7 | 1 | 0 / 1 | 5,609 | — |
| Jackson County | 1 / 3 | 1 | 1 / 1 | 2,535 | — |
| Johnson County | 1 / 4 | 1 | 1 / 1 | 3,509 | CNC Development Corporation, Inc. |
| Larue County | 1 / 2 | 1 | 0 / 2 | 4,129 | — |
| Lawrence County | 1 / 4 | 1 | 0 / 0 | 2,870 | — |
| Leslie County | 1 / 4 | 1 | 1 / 1 | 2,914 | — |
| Letcher County | 1 / 8 | 1 | 1 / 0 | 1,985 | — |
| Lincoln County | 1 / 5 | 1 | 1 / 1 | 1,994 | — |
| Livingston County | 1 / 1 | 1 | 0 / 0 | 3,149 | — |
| Logan County | 1 / 1 | 1 | 1 / 0 | 4,706 | — |
| Madison County | 1 / 10 | 1 | 0 / 4 | 4,465 | — |
| Magoffin County | 1 / 5 | 1 | 1 / 3 | 1,564 | — |
| Marshall County | 1 / 2 | 1 | 0 / 0 | 2,737 | — |
| Martin County | 1 / 4 | 1 | 1 / 2 | 3,268 | — |
| Mason County | 1 / 1 | 1 | 0 / 1 | 3,498 | Community Hospitality Healthcare Services, LLC |
| Menifee County | 1 / 2 | 1 | 0 / 1 | 2,343 | — |
| Monroe County | 1 / 3 | 1 | 0 / 0 | 4,373 | — |
| Montgomery County | 1 / 1 | 1 | 1 / 4 | 4,642 | — |
| Morgan County | 1 / 4 | 1 | 0 / 1 | 4,709 | People Incorporated Financial Services |
| Muhlenberg County | 1 / 5 | 1 | 1 / 2 | 3,221 | — |
| Owen County | 1 / 1 | 1 | 0 / 2 | 3,052 | — |
| Owsley County | 1 / 2 | 1 | 0 / 1 | 1,801 | — |
| Pulaski County | 1 / 14 | 1 | 1 / 3 | 3,343 | The Valued Advisor Fund, LLC |
| Robertson County | 1 / 1 | 1 | 1 / 0 | 2,283 | — |
| Rowan County | 1 / 3 | 1 | 1 / 1 | 5,499 | National New Markets Tax Credit Fund, Inc. |
| Simpson County | 1 / 1 | 1 | 1 / 1 | 2,449 | — |
| Wolfe County | 1 / 2 | 1 | 1 / 0 | 3,708 | — |
| Barren County | 0 / 8 | — | 0 / 1 | — | — |
| Boyd County | 0 / 5 | — | 0 / 2 | — | — |
| Breathitt County | 0 / 7 | — | 0 / 4 | — | — |
| Bullitt County | 0 / 3 | — | 0 / 3 | — | — |
| Butler County | 0 / 2 | — | 0 / 2 | — | — |
| Carlisle County | 0 / 1 | — | 0 / 1 | — | — |
| Casey County | 0 / 3 | — | 0 / 2 | — | — |
| Clinton County | 0 / 2 | — | 0 / 1 | — | — |
| Cumberland County | 0 / 2 | — | 0 / 1 | — | — |
| Edmonson County | 0 / 2 | — | 0 / 1 | — | — |
| Estill County | 0 / 4 | — | 0 / 4 | — | — |
| Grant County | 0 / 1 | — | 0 / 2 | — | — |
| Green County | 0 / 4 | — | 0 / 1 | — | — |
| Greenup County | 0 / 2 | — | 0 / 2 | — | — |
| Hart County | 0 / 2 | — | 0 / 1 | — | — |
| Henderson County | 0 / 4 | — | 0 / 1 | — | — |
| Metcalfe County | 0 / 3 | — | 0 / 1 | — | — |
| Ohio County | 0 / 1 | — | 0 / 3 | — | — |
| Powell County | 0 / 3 | — | 0 / 2 | — | — |
| Taylor County | 0 / 1 | — | 0 / 2 | — | — |
| Union County | 0 / 1 | — | 0 / 1 | — | — |
| Webster County | 0 / 1 | — | 0 / 1 | — | — |
Counties with no designated tracts are listed only if they lost OZ 1.0 tracts. NMTC: CDFI Fund NMTC public data release. 28 distinct CDEs across Kentucky's designated tracts.
Find projects and partners in the designated tracts
Every designated tract in Kentucky, tagged by the signals that point to a project type or a partner. Pick tags to narrow the list — a tract must carry every tag selected. Tags are simple published rules, not a score; hover a tag for its definition.
137 of 137 tracts shown
Download all eligible tracts, national (CSV) →| Tract | County | Pov. | MFI | Pop. | Rent. | Vac. | Signals | Prior NMTC CDEs |
|---|---|---|---|---|---|---|---|---|
| 21001970500 | Adair County | 27.7% | 81.8% | 2,296 | 11.9% | 21.6% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleHigh vacancy | Community Ventures Corporation, Inc. $11.8M · 1 deal |
| 21007950300 Paris | Ballard County | 22.5% | 99.1% | 2,371 | 20.3% | 14.6% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 21011970100 | Bath County | 28.4% | 78.2% | 2,401 | 17.6% | 12% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21013960100 Owensboro | Bell County | 20.4% | 70.5% | 1,780 | 27.2% | 14.7% | Rural / QROFCRA-eligibleUI Tier 1Persistent poverty | — |
| 21013960200 Pikeville | Bell County | 28.2% | 61.2% | 3,706 | 51.7% | 14.5% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21015070101 | Boone County | 20.1% | 52.2% | 4,267 | 56.7% | 3.9% | CRA-eligible | — |
| 21015070102 | Boone County | 4.4% | 59.7% | 2,783 | 42.1% | 2.1% | CRA-eligible | — |
| 21015070201 | Boone County | 14.5% | 65.4% | 3,800 | 36.4% | 3.2% | CRA-eligible | — |
| 21015070202 | Boone County | 20.9% | 61.3% | 3,617 | 59.8% | 5.5% | CRA-eligible | — |
| 21015070301 Louisville | Boone County | 20.1% | 63.7% | 5,742 | 45% | 4.9% | CRA-eligible | — |
| 21021930300 Louisville | Boyle County | 24.2% | 62% | 3,439 | 60.5% | 13.2% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 21023950300 | Bracken County | 28.5% | 59.8% | 4,058 | 21.2% | 9.1% | Rural / QROFUI Tier 1 | — |
| 21027960100 | Breckinridge County | 21.6% | 79.8% | 5,212 | 23.3% | 13.2% | Rural / QROFCRA-eligible | — |
| 21035010304 | Calloway County | 29.3% | 85.1% | 4,204 | 63.7% | 7.5% | Rural / QROFNMTC track recordHousing pressureUI Tier 1 | People Incorporated Financial Services $46.1M · 2 deals |
| 21037050100 | Campbell County | 35.7% | — | 1,073 | 82.6% | 29.2% | CRA-eligibleHigh vacancyUI Tier 1 | — |
| 21037050600 | Campbell County | 25% | 58.7% | 1,678 | 55.1% | 11.4% | CRA-eligibleHousing pressure | — |
| 21037051101 | Campbell County | 13.1% | 61% | 2,674 | 56.8% | 10.1% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 21037052500 | Campbell County | 25.2% | 76.3% | 5,340 | 43.9% | 5.6% | | — |
| 21037053301 Hopkinsville | Campbell County | 22.1% | 72.4% | 5,363 | 25.9% | 8.2% | | — |
| 21041950100 | Carroll County | 29.3% | 88.3% | 2,192 | 24.5% | 18.6% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 21041950300 | Carroll County | 27.6% | 73.4% | 2,511 | 12.3% | 6.4% | Rural / QROF | — |
| 21043960602 | Carter County | 25.2% | 77% | 4,838 | 38.5% | 13.1% | Rural / QROF | — |
| 21047200500 Louisville | Christian County | 11.8% | 61.9% | 4,482 | 60.4% | 13% | Rural / QROFCRA-eligibleHousing pressure | — |
| 21049020201 Louisville | Clark County | 35.3% | 54.1% | 3,178 | 53.6% | 10.4% | Rural / QROFNMTC track recordCRA-eligibleHousing pressure | AMCREF Community Capital, LLC |
| 21051950400 | Clay County | 36.9% | 53.1% | 2,865 | 17.6% | 18.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyUI Tier 1Persistent poverty | — |
| 21055930200 | Crittenden County | 19% | 68.4% | 4,227 | 25.5% | 19.5% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 21059000200 | Daviess County | 45.8% | 34% | 3,371 | 67.9% | 9.9% | Former OZ 1.0NMTC track recordCRA-eligible | Advantage Capital Community Development Fund, LLC |
| 21059000300 | Daviess County | 39.4% | 47.5% | 1,812 | 70.2% | 12.7% | Former OZ 1.0NMTC track recordHousing pressureUI Tier 1 | Community Ventures Corporation, Inc. $2.0M · 1 deal |
| 21067000101 | Fayette County | 36.4% | — | 2,891 | 83.4% | 5.4% | Former OZ 1.0NMTC track recordHousing pressureUI Tier 1 | Brownfield Revitalization, LLC; CV Appalachian CDE, Inc.; Community Development Venture Capital Alliance, The; Community Hospitality Healthcare Services, LLC; Community Ventures Corporation, Inc. $19.4M · 5 deals |
| 21067000900 | Fayette County | 53.9% | 57.4% | 5,560 | 87.5% | 11% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 21067001300 | Fayette County | 23.1% | 69.3% | 2,453 | 71.6% | 6.9% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 21067002001 | Fayette County | 27.7% | 50.3% | 5,147 | 80.2% | 3.2% | CRA-eligibleUI Tier 1 | — |
| 21067003917 | Fayette County | 20.3% | 109.3% | 2,073 | 49.4% | 1.3% | UI Tier 1 | — |
| 21069920100 | Fleming County | 26.1% | 55.4% | 4,627 | 39.3% | 15% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 21069920400 | Fleming County | 21.4% | 87.2% | 4,565 | 11.3% | 17.8% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 21071920100 | Floyd County | 33.5% | 46.3% | 3,168 | 42.6% | 7.9% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligiblePersistent poverty | CNC Development Corporation, Inc.; Community Trust Community Development Corporation $29.6M · 2 deals |
| 21071920302 | Floyd County | 30.9% | 92.4% | 2,125 | 29.2% | 31.6% | Rural / QROFHigh vacancyPersistent poverty | — |
| 21073070404 | Franklin County | 24.7% | 121.9% | 2,405 | 53.4% | 8.1% | Rural / QROFHousing pressure | — |
| 21073071200 Lexington-Fayette | Franklin County | 40.4% | 41% | 3,184 | 61.3% | 10.6% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleUI Tier 1 | WesBanco Bank Community Development Corp. |
| 21075960200 | Fulton County | 24% | 56.1% | 2,632 | 39.2% | 18.1% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21077960104 | Gallatin County | 14.3% | 64.1% | 4,033 | 17.5% | 15.5% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancy | — |
| 21079970201 | Garrard County | 23.5% | 87.1% | 2,797 | 20.2% | 12.2% | Rural / QROFCRA-eligible | — |
| 21079970300 | Garrard County | 21.8% | 55.3% | 3,506 | 39.4% | 3.4% | Rural / QROFCRA-eligible | — |
| 21083020100 | Graves County | 30.9% | 59.6% | 4,644 | 44.1% | 17.9% | Rural / QROFFormer OZ 1.0High vacancyUI Tier 1 | — |
| 21085950300 | Grayson County | 21.9% | 64.2% | 3,915 | 33.3% | 15.9% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 21093001500 | Hardin County | 23.5% | 88% | 3,413 | 56.5% | 7.5% | Rural / QROFCRA-eligibleUI Tier 1 | — |
| 21095970100 | Harlan County | 28.9% | 53.5% | 1,596 | 25.1% | 24.2% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 21095970600 Hopkinsville | Harlan County | 20.9% | 70.8% | 2,777 | 20.4% | 19.2% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21097950500 Georgetown | Harrison County | 23.5% | 76.6% | 4,809 | 45.1% | 10% | Rural / QROFNMTC track record | Advantage Capital Community Development Fund, LLC; People Incorporated Financial Services $18.3M · 2 deals |
| 21103090302 | Henry County | 24.3% | 68.8% | 3,656 | 38.4% | 3.9% | Rural / QROFCRA-eligible | — |
| 21105970100 | Hickman County | 20.5% | 101.3% | 4,439 | 29.2% | 19.7% | Rural / QROFHigh vacancy | — |
| 21107970302 Villa Hills | Hopkins County | 22.2% | 113% | 5,609 | 23.8% | 11.6% | Rural / QROF | — |
| 21109960101 Frankfort | Jackson County | 24.6% | 86.6% | 2,535 | 36.7% | 23.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 21111000201 Shively | Jefferson County | 34.2% | 39% | 1,163 | 46.9% | 23.9% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 21111000600 | Jefferson County | 26.2% | 58.4% | 1,269 | 71.2% | 25.3% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancy | Local Initiatives Support Corporation; Reinvestment Fund, Inc., The $35.4M · 2 deals |
| 21111002300 Lexington-Fayette | Jefferson County | 42.2% | 35.1% | 1,991 | 53.5% | 22.8% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancy | Liberty Bank and Trust Company $23.6M · 1 deal |
| 21111002401 Frankfort | Jefferson County | 28% | 34% | 1,399 | 75.3% | 31.1% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 21111002402 Covington | Jefferson County | 29% | 69.9% | 3,116 | 61.1% | 19.8% | Former OZ 1.0NMTC track recordCRA-eligibleHigh vacancy | Advantage Capital Community Development Fund, LLC; CBSI Development Fund, Inc.; Community Ventures Corporation, Inc. $59.8M · 4 deals |
| 21111003501 | Jefferson County | 61.4% | 15.7% | 2,756 | 97.8% | 21.8% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 21111004900 | Jefferson County | 27.3% | 115.4% | 4,765 | 82.9% | 21.7% | Former OZ 1.0NMTC track recordHigh vacancy | Advantage Capital Community Development Fund, LLC; CDF Development, LLC; Community Ventures Corporation, Inc.; Consortium America, LLC; Liberty Bank and Trust Company; National City New Market Fund, Inc.; PNC Community Partners, Inc.; People Incorporated Financial Services; Stonehenge Community Development, LLC; USBCDE, LLC; Urban Development Fund, LLC $150.6M · 22 deals |
| 21111005100 Louisville/Jefferson County metro government (balance) | Jefferson County | 38.7% | — | 3,291 | 87.3% | 9.9% | Former OZ 1.0Housing pressureUI Tier 1 | — |
| 21111005901 | Jefferson County | 58.9% | 28.1% | 2,609 | 98.9% | 14.8% | Former OZ 1.0NMTC track recordCRA-eligible | Liberty Bank and Trust Company |
| 21111005902 | Jefferson County | 23.7% | — | 2,164 | 79% | 20.9% | Former OZ 1.0NMTC track recordCRA-eligibleHigh vacancy | Advantage Capital Community Development Fund, LLC; Brownfield Revitalization, LLC; Liberty Bank and Trust Company; PNC Community Partners, Inc. $63.2M · 6 deals |
| 21111007101 | Jefferson County | 44.7% | — | 150 | 68.9% | 17.2% | Former OZ 1.0High vacancy | — |
| 21111007102 | Jefferson County | 21% | 63.1% | 4,345 | 55.4% | 13.7% | Former OZ 1.0Housing pressure | — |
| 21111007603 | Jefferson County | 23.9% | 84.3% | 2,602 | 58.3% | 6% | | — |
| 21111011302 Richmond | Jefferson County | 16.3% | 66.2% | 8,155 | 52.4% | 7% | CRA-eligibleUI Tier 1 | — |
| 21111011906 | Jefferson County | 24.3% | 64.9% | 5,270 | 70.6% | 5.9% | CRA-eligibleUI Tier 1 | — |
| 21111012104 | Jefferson County | 20.1% | 74.5% | 4,539 | 18.4% | 7.6% | CRA-eligibleUI Tier 1 | — |
| 21111012107 | Jefferson County | 17.7% | 67.8% | 5,417 | 27.6% | 4.9% | CRA-eligible | — |
| 21111012701 | Jefferson County | 40.4% | 41.7% | 4,021 | 63.3% | 14.4% | CRA-eligibleHousing pressure | — |
| 21113060503 | Jessamine County | 22.2% | 61.7% | 4,823 | 33.7% | 9.2% | CRA-eligible | — |
| 21113060504 Lexington-Fayette | Jessamine County | 19.8% | 62.9% | 2,983 | 51.7% | 12.3% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 21115960401 Louisville | Johnson County | 45.3% | 47.3% | 3,509 | 57.3% | 21% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyPersistent poverty | CNC Development Corporation, Inc. $23.3M · 2 deals |
| 21117060900 | Kenton County | 30.8% | 54.5% | 2,599 | 63.4% | 20.4% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 21117061000 | Kenton County | 32.7% | 72.1% | 2,172 | 47.1% | 9.6% | CRA-eligibleUI Tier 1 | — |
| 21117061300 Pikeville | Kenton County | 19.1% | 59.7% | 2,181 | 41.5% | 6.3% | | — |
| 21117065000 Farley | Kenton County | 34.6% | 56.8% | 3,331 | 59.3% | 8.6% | CRA-eligibleHousing pressure | — |
| 21117065100 | Kenton County | 45.8% | — | 3,095 | 67.5% | 15.9% | CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 21117067000 | Kenton County | 21.3% | — | 3,644 | 76.9% | 15.1% | Former OZ 1.0Housing pressureHigh vacancyUI Tier 1 | — |
| 21117067100 | Kenton County | 33.3% | 63.3% | 2,466 | 65.5% | 24.9% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyUI Tier 1 | Urban Action Community Development LLC |
| 21119960100 Lexington-Fayette | Knott County | 26.6% | 39.6% | 1,663 | 17.3% | 16.4% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 21119960300 | Knott County | 22.9% | 62% | 3,839 | 38.6% | 18.8% | Rural / QROFNMTC track recordCRA-eligibleHigh vacancyPersistent poverty | National Community Investment Fund $3.3M · 1 deal |
| 21121930300 Danville | Knox County | 33.9% | 58.9% | 2,676 | 25.3% | 17.6% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21121930401 Hazard | Knox County | 39% | 48.4% | 4,143 | 49.5% | 14.8% | Rural / QROFNMTC track recordCRA-eligiblePersistent poverty | Community Trust Community Development Corporation $26.9M · 2 deals |
| 21123960300 | Larue County | 23.3% | 83% | 4,129 | 27.6% | 6.6% | Rural / QROF | — |
| 21125970400 | Laurel County | 24.2% | 104.6% | 4,116 | 30.6% | 11.3% | Rural / QROFNMTC track recordUI Tier 1Persistent poverty | Community Trust Community Development Corporation $18.4M · 1 deal |
| 21125970700 Louisville | Laurel County | 27.7% | 83.9% | 5,919 | 36% | 8.5% | Rural / QROFNMTC track recordCRA-eligiblePersistent poverty | Community Trust Community Development Corporation; Kentucky Highlands Investment Corporation $14.6M · 2 deals |
| 21127930101 | Lawrence County | 23.8% | 71.3% | 2,870 | 2.5% | 13.4% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21131920101 | Leslie County | 24.7% | 122.6% | 2,914 | 12% | 1.9% | Rural / QROFFormer OZ 1.0CRA-eligiblePersistent poverty | — |
| 21133950100 | Letcher County | 27.7% | 72% | 1,985 | 29.9% | 27.2% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 21135930100 Florence | Lewis County | 23.3% | 75.6% | 4,316 | 12.8% | 15.4% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21135930200 | Lewis County | 34.4% | 48.7% | 3,655 | 31.7% | 16.1% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21137920101 | Lincoln County | 9.1% | 66.5% | 1,994 | 21.9% | 10.1% | Rural / QROFFormer OZ 1.0Persistent poverty | — |
| 21139040201 | Livingston County | 20.7% | 93.8% | 3,149 | 17% | 16.8% | Rural / QROFHigh vacancy | — |
| 21141960500 | Logan County | 21.9% | 93.8% | 4,706 | 37.7% | 6.7% | Rural / QROFFormer OZ 1.0 | — |
| 21151010702 | Madison County | 22.2% | 100% | 4,465 | 25.9% | 3.7% | Rural / QROF | — |
| 21153970100 | Magoffin County | 28.1% | 73.7% | 1,564 | 24.3% | 6.9% | Rural / QROFFormer OZ 1.0CRA-eligiblePersistent poverty | — |
| 21157950502 | Marshall County | 25.8% | 86% | 2,737 | 14.9% | 21.8% | Rural / QROFHigh vacancy | — |
| 21159950201 | Martin County | 33.1% | 69.6% | 3,268 | 13.1% | 9.7% | Rural / QROFFormer OZ 1.0CRA-eligiblePersistent poverty | — |
| 21161960200 | Mason County | 41.5% | 49.5% | 3,498 | 65.9% | 11.8% | Rural / QROFNMTC track recordCRA-eligible | Community Hospitality Healthcare Services, LLC $3.1M · 1 deal |
| 21145030200 | McCracken County | 31% | 44.3% | 2,185 | 53.1% | 24.2% | Rural / QROFCRA-eligibleHousing pressureHigh vacancy | — |
| 21145030600 Owensboro | McCracken County | 37.9% | 51% | 3,476 | 32.5% | 21.5% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 21147960301 | McCreary County | 33.1% | 56.7% | 3,885 | 20.7% | 17.3% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleHigh vacancyUI Tier 1Persistent poverty | Kentucky Highlands Investment Corporation $9.8M · 1 deal |
| 21147960401 | McCreary County | 40.5% | 41.4% | 3,248 | 39% | 10.1% | Rural / QROFPersistent poverty | — |
| 21165960200 Louisville | Menifee County | 29% | 57.3% | 2,343 | 28.7% | 20% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21171930400 | Monroe County | 21.3% | 59.2% | 4,373 | 37.4% | 7.1% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21173920400 Louisville | Montgomery County | 21.9% | 79.5% | 4,642 | 27% | 17.1% | Rural / QROFFormer OZ 1.0High vacancy | — |
| 21175950400 | Morgan County | 22.7% | 73.9% | 4,709 | 40.6% | 14.8% | Rural / QROFNMTC track recordCRA-eligiblePersistent poverty | People Incorporated Financial Services $26.7M · 2 deals |
| 21177960202 Somerset | Muhlenberg County | 30.3% | 56.4% | 3,221 | 34% | 14.3% | Rural / QROFFormer OZ 1.0 | — |
| 21187970100 | Owen County | 26.8% | 87.9% | 3,052 | 11.2% | 16.3% | Rural / QROFHigh vacancy | — |
| 21189930200 Oak Grove | Owsley County | 34.6% | 33.3% | 1,801 | 17.6% | 24.2% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 21191930200 Louisville | Pendleton County | 17.9% | 53.7% | 2,840 | 15.8% | 4% | Rural / QROFCRA-eligible | — |
| 21191930300 | Pendleton County | 18.3% | 66.4% | 5,034 | 37.2% | 19.1% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 21193970501 | Perry County | 23.4% | 42% | 3,148 | 54.9% | 18% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 21193971000 | Perry County | 21.6% | 70.3% | 4,308 | 16.2% | 11.6% | Rural / QROFFormer OZ 1.0CRA-eligiblePersistent poverty | — |
| 21195930202 | Pike County | 37.4% | 77.6% | 3,601 | 32.5% | 6.3% | Rural / QROFNMTC track recordCRA-eligible | Community Trust Community Development Corporation $8.6M · 4 deals |
| 21195930500 Florence | Pike County | 24.7% | 75.4% | 2,757 | 26.2% | 11.4% | Rural / QROFFormer OZ 1.0 | — |
| 21199930102 | Pulaski County | 21.9% | 101% | 3,343 | 19.6% | 12.5% | Rural / QROFFormer OZ 1.0NMTC track recordUI Tier 1 | The Valued Advisor Fund, LLC $14.2M · 1 deal |
| 21201970100 | Robertson County | 21.1% | 74.4% | 2,283 | 20.5% | 19.2% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 21203950100 Georgetown | Rockcastle County | 21.9% | 86.1% | 3,113 | 16.8% | 6.2% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21203950202 | Rockcastle County | 30.4% | 89.1% | 3,243 | 44.8% | 15.3% | Rural / QROFNMTC track recordCRA-eligibleHigh vacancyPersistent poverty | Community Trust Community Development Corporation; Five Points Community Capital, LLC; Kentucky Highlands Investment Corporation $37.6M · 3 deals |
| 21205950202 | Rowan County | 38.7% | 115.1% | 5,499 | 64.3% | 8.9% | Rural / QROFFormer OZ 1.0NMTC track recordHousing pressurePersistent poverty | National New Markets Tax Credit Fund, Inc. $34.2M · 1 deal |
| 21207960101 | Russell County | 21.2% | 69% | 3,903 | 34.2% | 11.4% | Rural / QROFPersistent poverty | — |
| 21207960300 | Russell County | 31.7% | 69.5% | 3,822 | 32.8% | 33.5% | Rural / QROFHigh vacancyPersistent poverty | — |
| 21213970402 | Simpson County | 27.2% | 89.1% | 2,449 | 38.7% | 0% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 21219950200 Lexington-Fayette | Todd County | 26.1% | 88.3% | 5,620 | 24.8% | 11.4% | Rural / QROFNMTC track recordCRA-eligible | Advantage Capital Community Development Fund, LLC $1.7M · 1 deal |
| 21219950300 Louisville/Jefferson County metro government (balance) | Todd County | 24% | 84.9% | 2,521 | 36.5% | 8.9% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 21227010100 | Warren County | 56.9% | 4.8% | 2,824 | 98.5% | 9.7% | Housing pressure | — |
| 21227010200 | Warren County | 46.5% | 41.9% | 4,035 | 75.7% | 8.6% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1 | Community Ventures Corporation, Inc.; People Incorporated Financial Services; USBCDE, LLC $19.3M · 4 deals |
| 21227011300 | Warren County | 20.4% | 95.8% | 4,680 | 55.8% | 11.6% | CRA-eligibleUI Tier 1 | — |
| 21231920201 | Wayne County | 20.4% | 86.8% | 1,762 | 19.4% | 1.3% | Rural / QROFPersistent poverty | — |
| 21231920202 | Wayne County | 31.6% | 61.8% | 3,825 | 41.8% | 11.6% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21235920100 | Whitley County | 28.5% | 63.9% | 2,706 | 39% | 12.2% | Rural / QROFPersistent poverty | — |
| 21235920302 | Whitley County | 25.3% | 83.8% | 5,037 | 22.1% | 3.3% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 21235920402 Louisville/Jefferson County metro government (balance) | Whitley County | 32.7% | 50.8% | 4,094 | 27.9% | 7.2% | Rural / QROFNMTC track recordCRA-eligiblePersistent poverty | Community Trust Community Development Corporation $12.6M · 1 deal |
| 21237930200 | Wolfe County | 43.9% | 53.7% | 3,708 | 29.4% | 13.2% | Rural / QROFFormer OZ 1.0CRA-eligiblePersistent poverty | — |
Reading the signals for projects
- Rural / QROF — a rural QOF investment gets a 30% basis step-up at five years, and existing buildings need only 50% improvement. Rehab of existing stock pencils here in ways it does not elsewhere. Mechanics →
- Housing pressure — mostly renters, most of them cost-burdened. Housing deals here have demand; they also carry displacement risk, which is where community benefit terms matter.
- High vacancy — vacant structures to bring back. Pair with the 50% rural improvement threshold where both apply.
- UI Tier 1 — the Urban Institute's read that private capital is likely to come and the impact would be larger.
Reading the signals for partners
- NMTC track record — the listed CDEs have underwritten deals in this exact tract. They know the market and can layer NMTC with OZ equity. How they stack →
- CRA-eligible — bank investment here earns CRA credit. Start with community development officers at banks with branches in the county.
- Former OZ 1.0 — QOFs and sponsors may already hold assets here. They are the most likely early OZ 2.0 investors and know the local approvals path.
- Tribal — the tribal government is a principal, not a stakeholder to consult. Persistent poverty — USDA Rural Development programs can fill gaps.
Data context
172
Eligible tracts in EIG DCI top distress quintile
The EIG Distressed Communities Index (2019–2023) is referenced in many state scoring rubrics. Quintile 1 = most distressed. See whether OZ 1.0 reached the most distressed places →
40
Counties with eligible tracts designated USDA persistent poverty
Persistent poverty = 20%+ poverty rate in every census 1980–2010. Source: USDA ERS County Typology Codes (2015 edition). Relevant for USDA RD program eligibility and QROF rural bonus. See QROF rural bonus mechanics →
166
Prior NMTC investments in eligible OZ tracts
CDFI Fund NMTC Public Data Release (2024). Indicates prior CDFI capital deployment track record in these tracts. See how NMTC and OZ stack →
402
Eligible tracts with CRA designation (LMI or distressed/underserved)
Banks earn CRA credit for investing in low- or moderate-income tracts (Track 1), and in non-metropolitan middle-income tracts officially designated distressed or underserved by FFIEC (Track 2). When an OZ project sits in a CRA-eligible tract, bank capital can satisfy CRA obligations while generating OZ tax benefits. How CRA and OZ interact →
Cities: Louisville, Lexington, Manchester, Barbourville, Salyersville and 346 more
ZIP codes: 40211, 40216, 40212, 40219, 40208 and 406 more
See all 351 cities and 411 ZIP codes
All cities:
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All ZIP codes:
40211, 40216, 40212, 40219, 40208, 40214, 40210, 40962, 40906, 40215, 42101, 40508, 40203, 41465, 40769, 41011, 42240, 41042, 40701, 40504, 40505, 40734, 40336, 41339, 40218, 40511, 41014, 40759, 41472, 42003, 40351, 40324, 40447, 40915, 42647, 41301, 40935, 41858, 40228, 40213, 40517, 42653, 40202, 41230, 41180, 42303, 41101, 41071, 41164, 41855, 40741, 40475, 41825, 40977, 40972, 41311, 40965, 41537, 41501, 40209, 41721, 41653, 40831, 41554, 41701, 40272, 40823, 42633, 41332, 40356, 40361, 41314, 40204, 40914, 41844, 42129, 40913, 41015, 40939, 41018, 41003, 42071, 40958, 41040, 42001, 41240, 41179, 41045, 41745, 41640, 41559, 41557, 41651, 41539, 41666, 41522, 41464, 41723, 41386, 41727, 41365, 41364, 41348, 41256, 41046, 41772, 41238, 41222, 40870, 41171, 41159, 41822, 41095, 41831, 41835, 41083, 41074, 41837, 41840, 40903, 40923, 42635, 40177, 42566, 40160, 40829, 40828, 42301, 42602, 42721, 40509, 40220, 40313, 40506, 42634, 40815, 40813, 42349, 42743, 42553, 40763, 40391, 40118, 40229, 40601, 42539, 42528, 42649, 40729, 42642, 42141, 40806, 41743, 41740, 41735, 42134, 42631, 42544, 41754, 41763, 41764, 42541, 41773, 42518, 41774, 41776, 41749, 42701, 42638, 41731, 41622, 41630, 41631, 41632, 41635, 41636, 42762, 42754, 42749, 41643, 41645, 41647, 42746, 41659, 42728, 41660, 42722, 41713, 41719, 42718, 42717, 42715, 42516, 41722, 41725, 41777, 41812, 42503, 42066, 42241, 41862, 42020, 42021, 42023, 42024, 42234, 42223, 42220, 42041, 42050, 42053, 42060, 42214, 41778, 42087, 42211, 42103, 42210, 42204, 42104, 42127, 41619, 42202, 42167, 42164, 42154, 42140, 42261, 41861, 41859, 42262, 42501, 42431, 41810, 42420, 42133, 41815, 41817, 42419, 41824, 42370, 42361, 41826, 41828, 42347, 41834, 42337, 41836, 42333, 42332, 41838, 42330, 42320, 41843, 42288, 42276, 41849, 42275, 41621, 40004, 41616, 40820, 40801, 40771, 40755, 40744, 40740, 40621, 40620, 40619, 40618, 40602, 40526, 40507, 40502, 40489, 40486, 40818, 40826, 40481, 40830, 40940, 40932, 40927, 40921, 40902, 40873, 40865, 40863, 40862, 40856, 40855, 40849, 40847, 40845, 40843, 40484, 40476, 40943, 40291, 40258, 40251, 40250, 40225, 40217, 40207, 40206, 40205, 40165, 40159, 40155, 40129, 40121, 40068, 40065, 40259, 40292, 40472, 40299, 40460, 40456, 40445, 40444, 40442, 40437, 40422, 40403, 40392, 40385, 40383, 40380, 40348, 40317, 40311, 40941, 40944, 41607, 41513, 41408, 41397, 41390, 41368, 41367, 41360, 41352, 41351, 41347, 41317, 41268, 41262, 41255, 40019, 41226, 41426, 41517, 41216, 41524, 41606, 41605, 41604, 41568, 41566, 41562, 41561, 41553, 41548, 41547, 41544, 41542, 41540, 41534, 41528, 41219, 41181, 40946, 41035, 41030, 41022, 41017, 41016, 41008, 41006, 40997, 40995, 40988, 40983, 40982, 40964, 40953, 40951, 40949, 41031, 41043, 41173, 41051, 41160, 41149, 41132, 41129, 41124, 41105, 41102, 41098, 41097, 41094, 41092, 41091, 41086, 41072, 41056, 42765
Look up a specific tract (FFIEC) → Source: FFIEC Census Flat File 2026, joined to IRS Rev. Proc. 2026-14 eligible tracts.
82
Eligible tracts in top investability quintile (Urban Institute model)
The Urban Institute investability model scores OZ-eligible tracts by predicted likelihood of attracting private capital, based on OZ 1.0 investment patterns. Quintile 1 = highest predicted investability among scored tracts. Not all tracts are scored — coverage reflects tracts with sufficient OZ 1.0 data.
Who to contact
Kentucky Cabinet for Economic Development
https://newkentuckyhome.ky.gov/Locating_Expanding/KYoz(800) 626-2930
Certified CDFIs
13 certified CDFIs headquartered in Kentucky. CDFI Fund certified list →
USDA Rural Development
USDA RD Kentucky State Office →RCAP Regional Partner
Southeast Rural Community Assistance Project (SERCAP) →Rural LISC
Rural LISC →Native / tribal
Kentucky has no federally recognized tribes in-state, but several Oklahoma-based tribes have historic ties to Kentucky territory. The Eastern Band of Cherokee Indians (EBCI, based in western NC) has geographic proximity to eastern Kentucky and an active THPO (ebci-nsn.gov/thpo). The Shawnee Tribe (OK) and Cherokee Nation (OK) also have historic Kentucky connections. If nominating tracts in eastern Kentucky counties (Pike, Floyd, Knox) near the Virginia or Tennessee state line, consider reaching out to the EBCI THPO. No formal consultation protocol has been published by the Cabinet.
Designations: Treasury, 2027 QOZ designations and revised eligible-tract file (October 30, 2026). Demographics: ACS 2020–2024 5-year. OZ 1.0: IRS Notice 2018-48, crosswalked to 2020 tracts. Eligible tract counts: IRS Rev. Proc. 2026-14 (April 6, 2026). Rural designation: Notice 2025-50, Section 4.01. Status tier last verified 2026-06-16. Full methodology.