ZIP 40031 Property Distress & Foreclosure Data

DLRadar grades ZIP 40031 (Oldham County, Kentucky) at a moderate 32/100 for overall property distress. Structural risk reads 73/100 against active distress of 7/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), FEMA disaster exposure (79/100), climate & FEMA risk (61/100). Property-level stress concentrates in construction/permit lag (80/100), structural risk (73/100), institutional ownership (63/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 3.8% year on year, and 24% higher over three years, at 34/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $341,000 here, or 3.3 times local income. There are about 8,617 housing units across 40031. About 25,697 people live here, median age 40. The tenure split is 82% owner-occupied to 18% rented. Vacancy runs 4.3%. Households earn a median $96,682 — above the roughly $78,000 national figure. About 34% have a four-year degree. Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 42% of tenant households. On demographic stress specifically, 40031 scores 27/100.

Net-net, 40031 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.