ZIP 40003 Property Distress & Foreclosure Data

In Shelby County, Kentucky, ZIP 40003 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (43/100), institutional ownership (37/100), construction/permit lag (37/100). construction/permit lag (37/100) and mortgage stress (14/100) stay muted. The latent-versus-live split is 43/100 structural and 4/100 already moving. Climate and flood risk are elevated too — FEMA disaster exposure (66/100), climate & FEMA risk (63/100).

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 33% higher over three years (phase confidence 34/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Educational attainment sits at 28% bachelor's-or-above. 17.0% of residents fall below the poverty threshold. Around 81% of renters are cost-burdened. 2,052 residents call 40003 home, typically aged 50. The vacancy rate is 4.9%. Home values center near $344,900, an affordability ratio of 4.3×. Median household income is $75,956, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 38/100. Owners hold 87% of homes, renters 13%. The ZIP holds roughly 769 housing units.

Overall, 40003 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.