ZIP 40077 Property Distress & Foreclosure Data

DLRadar grades ZIP 40077 (Oldham County, Kentucky) at a moderate 33/100 for overall property distress. Structural exposure scores 74 and live distress 7 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (80/100), structural risk (74/100), institutional ownership (63/100). On the quiet end sit mortgage stress (23/100). Environmental exposure also runs high (flood (NFIP) exposure (95/100), FEMA disaster exposure (79/100), climate & FEMA risk (64/100)).

The peak-phase market in 40077 posted values that rose 3.8% over the year, and 14% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

68% of housing is owner-occupied. The poverty rate is 3.2% — low. Population is roughly 597 with a median age of 43. Vacancy runs 13.4%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $196,400 (3.2× income, relatively affordable). Around 19% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. Rent burden reaches 37% of tenant households. There are about 321 housing units across 40077. At $61,912, median income runs below typical U.S. levels.

On the whole, 40077 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.