ZIP 40108 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 40108 (Meade County, Kentucky) at a low 26/100 for overall property distress. Property-level stress concentrates in institutional ownership (62/100), structural risk (58/100), construction/permit lag (48/100). mortgage stress (24/100) stay muted. On the structural side it scores 58/100, with 7/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (86/100), FEMA disaster exposure (79/100).

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 7% higher over three years (phase confidence 34/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

10.6% of residents fall below the poverty threshold. Around 37% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 29/100. Owners hold 77% of homes, renters 23%. Educational attainment sits at 17% bachelor's-or-above. 12,469 residents call 40108 home, typically aged 44. Median household income is $71,480, near the U.S. median near $78,000. Home values center near $221,800, an affordability ratio of 3.0× — accessible. The vacancy rate is 10.1%. The ZIP holds roughly 5,387 housing units.

Overall, 40108 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.