ZIP 40115 Property Distress & Foreclosure Data

ZIP code 40115 in Breckinridge County, Kentucky carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100). On the structural side it scores 60/100, with 8/100 of stress already active. What sets it apart are the readings on construction/permit lag (100/100), institutional ownership (61/100), structural risk (60/100). By contrast, mortgage stress (26/100) register low.

The market reads peak — home values rose 4.7% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

The tenure split is 90% owner-occupied to 10% rented. Roughly 41.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 7% have a four-year degree. Around 100% of renters are cost-burdened. Households earn a median $52,250 — below the roughly $78,000 national figure. On demographic stress specifically, 40115 scores 47/100. About 990 people live here, median age 40. The vacancy rate is 20.4% — elevated. A median home runs $149,100 here, or 3.0 times local income. The ZIP holds roughly 365 housing units.

Net-net, 40115 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.