ZIP 40059 Property Distress & Foreclosure Data

DLRadar grades ZIP 40059 (Oldham County, Kentucky) at a moderate 32/100 for overall property distress. Structural exposure scores 71 and live distress 7 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (96/100), FEMA disaster exposure (81/100), climate & FEMA risk (77/100)). Property-level stress concentrates in structural risk (71/100), institutional ownership (65/100), construction/permit lag (49/100). On the quiet end sit mortgage stress (24/100).

The peak-phase market in 40059 posted values that rose 3.8% over the year, and 20% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 8,840 housing units across 40059. The demographic-stress sub-score lands at 20/100. The typical home is worth about $559,300 (3.2× income, relatively affordable). Rent burden reaches 34% of tenant households. Population is roughly 19,899 with a median age of 48. Around 71% of adults hold a bachelor's degree or higher. 88% of housing is owner-occupied. At $165,000, median income runs above typical U.S. levels. Vacancy runs 5.6%. The poverty rate is 1.7% — low.

On balance 40059 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.