ZIP 40026 Property Distress & Foreclosure Data

In Oldham County, Kentucky, ZIP 40026 scores 33 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structural exposure scores 74 and live distress 7 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (95/100), FEMA disaster exposure (79/100), climate & FEMA risk (64/100)). Its standout signals are construction/permit lag (80/100), structural risk (74/100), institutional ownership (63/100). On the quiet end sit mortgage stress (23/100).

The peak-phase market in 40026 posted values that rose 3.8% over the year, and 11% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 5.7%. The poverty rate is 1.5% — low. 92% of housing is owner-occupied. Rent burden reaches 35% of tenant households. Population is roughly 6,192 with a median age of 38. Around 60% of adults hold a bachelor's degree or higher. The typical home is worth about $432,100 (3.2× income, relatively affordable). There are about 2,041 housing units across 40026. At $131,897, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 22/100.

On balance 40026 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.