ZIP 40204 Property Distress & Foreclosure Data

Jefferson County, Kentucky's ZIP 40204 registers 35/100 composite distress, which DLRadar reads as moderate. Structural risk reads 76/100 against active distress of 7/100. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (83/100). The most distinctive pressure shows up in structural risk (76/100), institutional ownership (66/100), construction/permit lag (43/100). mortgage stress (25/100) stay muted.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 13% higher over three years, at 34/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

14,018 residents call 40204 home, typically aged 39. Median household income is $70,706, near the U.S. median near $78,000. Owners hold 51% of homes, renters 49%. Vacancy runs 12.3%, above the national norm and a classic distress-and-opportunity signal. Home values center near $329,000, an affordability ratio of 4.5×. DLRadar's demographic-stress index for the area reads 30/100. Rent burden reaches 31% of tenant households. 9.7% of residents fall below the poverty threshold. There are about 8,818 housing units across 40204. Educational attainment sits at 63% bachelor's-or-above.

Taken together, 40204 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.