ZIP 40078 Foreclosure, Tax-Lien & Distress Report

ZIP code 40078 in Washington County, Kentucky carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (89/100), flood (NFIP) exposure (82/100). Structural risk reads 58/100 against active distress of 8/100. The pressure is most legible in construction/permit lag (73/100), institutional ownership (66/100), structural risk (58/100). By contrast, mortgage stress (25/100) register low.

The market reads expansion — home values rose 5.3% year on year, and 16% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 40078 scores 34/100. Median household income is $53,750, below the U.S. median near $78,000. Rent burden reaches 62% of tenant households. 83% of housing is owner-occupied. The ZIP holds roughly 989 housing units. Educational attainment sits at 14% bachelor's-or-above. A median home runs $183,400 here, or 3.0 times local income. Vacancy runs 10.7%. About 2,777 people live here, median age 33.

Overall, 40078 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 40078 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 40078's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 40078, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 40078 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For a buyer, 40078 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.