ZIP 40071 Property Distress & Foreclosure Data

In Spencer County, Kentucky, ZIP 40071 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (83/100), flood (NFIP) exposure (74/100)). Its standout signals are construction/permit lag (62/100), institutional ownership (61/100), structural risk (55/100). On the quiet end sit mortgage stress (22/100). Structural risk reads 55/100 against active distress of 7/100.

The peak-phase market in 40071 posted values that rose 3.8% over the year, and 16% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 6,340 housing units across 40071. At $97,349, median income runs above typical U.S. levels. Population is roughly 16,702 with a median age of 43. The demographic-stress sub-score lands at 25/100. The typical home is worth about $329,000 (3.1× income, relatively affordable). Rent burden reaches 22% of tenant households. 85% of housing is owner-occupied. Around 21% of adults hold a bachelor's degree or higher. Vacancy runs 6.9%. The poverty rate is 7.7%.

Broadly, 40071 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.