ZIP 40160 Property Distress & Foreclosure Data

ZIP code 40160 in Hardin County, Kentucky carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (100/100), structural risk (81/100), institutional ownership (60/100). By contrast, mortgage stress (22/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (76/100), FEMA disaster exposure (73/100). The latent-versus-live split is 81/100 structural and 7/100 already moving.

The market reads peak — home values rose 2.3% year on year, and 26% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Households earn a median $59,293 — below the roughly $78,000 national figure. The ZIP holds roughly 10,445 housing units. The vacancy rate is 9.3%. Around 20% of renters are cost-burdened. Roughly 14.6% live below the poverty line. About 23,205 people live here, median age 37. On demographic stress specifically, 40160 scores 29/100. The tenure split is 53% owner-occupied to 47% rented. About 15% have a four-year degree. A median home runs $165,900 here, or 2.7 times local income.

Net-net, 40160 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.