ZIP 40076 Property Distress & Foreclosure Data

In Shelby County, Kentucky, ZIP 40076 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (68/100), climate & FEMA risk (60/100). The latent-versus-live split is 43/100 structural and 4/100 already moving. Its standout signals are structural risk (43/100), institutional ownership (39/100), construction/permit lag (35/100). By contrast, construction/permit lag (35/100) and mortgage stress (15/100) register low.

The market reads peak — home values rose 3.8% year on year, and 27% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Households earn a median $84,754 — near the roughly $78,000 national figure. A median home runs $259,100 here, or 2.6 times local income. Roughly 3.6% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 1,117 housing units. On demographic stress specifically, 40076 scores 22/100. About 28% have a four-year degree. The tenure split is 81% owner-occupied to 19% rented. About 2,884 people live here, median age 37. Around 22% of renters are cost-burdened. The vacancy rate is 5.5%.

Overall 40076 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.