ZIP 40065 Property Distress & Foreclosure Data

Shelby County, Kentucky's ZIP 40065 registers 20/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (41/100), construction/permit lag (37/100), institutional ownership (35/100). On the quiet end sit institutional ownership (35/100) and mortgage stress (13/100). The latent-versus-live split is 41/100 structural and 4/100 already moving. Environmental exposure also runs high (FEMA disaster exposure (64/100), climate & FEMA risk (62/100)).

The peak-phase market in 40065 posted values that rose 3.8% over the year, and 16% higher over three years (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

69% of housing is owner-occupied. The poverty rate is 9.4%. The vacancy rate is 7.6%. Around 30% of renters are cost-burdened. At $76,813, median income runs near typical U.S. levels. Around 29% of adults hold a bachelor's degree or higher. The typical home is worth about $280,500 (3.3× income, relatively affordable). Population is roughly 31,763 with a median age of 40. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 13,182 housing units.

On balance 40065 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.