ZIP 40046 Property Distress & Foreclosure Data

Composite property distress in 40046 (Spencer County, Kentucky) lands at 24/100 — low on DLRadar's public-record scoring. Structural risk reads 54/100 against active distress of 7/100. The sharpest non-environmental signals are institutional ownership (60/100), construction/permit lag (60/100), structural risk (54/100). By contrast, mortgage stress (22/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), flood (NFIP) exposure (72/100).

The market reads peak — home values rose 3.9% year on year, and 37% higher over three years, at 34/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 40046 scores 40/100. About 1,239 people live here, median age 44. Roughly 9.4% live below the poverty line. A median home runs $221,000 here, or 3.8 times local income. Rent burden reaches 100% of tenant households. The tenure split is 97% owner-occupied to 3% rented. About 9% have a four-year degree. There are about 546 housing units across 40046. Households earn a median $56,146 — below the roughly $78,000 national figure.

Net-net, 40046 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.