ZIP 40026 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 40026 in Oldham County, Kentucky comes in at 31, a moderate composite-distress reading. Latent structural risk is 70/100 while live distress already moving reads 7/100. Environmental exposure also runs high (flood (NFIP) exposure (96/100), FEMA disaster exposure (77/100), climate & FEMA risk (64/100)). Its heaviest discrete signals: structural risk (70/100), construction/permit lag (65/100), institutional ownership (63/100). By contrast, mortgage stress (23/100) register low.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 11% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 5.7%. Roughly 1.5% live below the poverty line, a low share typical of higher-equity areas. 92% of housing is owner-occupied. Rent burden reaches 35% of tenant households. 6,192 residents call 40026 home, typically aged 38. Around 60% of adults hold a bachelor's degree or higher. Home values center near $432,100, an affordability ratio of 3.2× — accessible. There are about 2,041 housing units across 40026. Median household income is $131,897, above the U.S. median near $78,000. The demographic-stress sub-score lands at 22/100.

Net-net, 40026 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 40026 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 40026 runs through one identical scoring model, so its 31/100 sits on the same scale as every other ZIP in Oldham County, Kentucky and the nation. Every figure is auditable to a public dataset and refreshed as records update; 40026 shows blanks, not estimates, wherever the record is sparse.

Each component behind 40026 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. In workflow terms, 40026 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.