ZIP 40207 Property Distress & Foreclosure Data

DLRadar grades ZIP 40207 (Jefferson County, Kentucky) at a moderate 35/100 for overall property distress. Property-level stress concentrates in structural risk (76/100), institutional ownership (66/100), construction/permit lag (43/100). mortgage stress (25/100) stay muted. On the structural side it scores 76/100, with 7/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (83/100).

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

Median household income is $98,583, above the U.S. median near $78,000. 5.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. Educational attainment sits at 68% bachelor's-or-above. Around 34% of renters are cost-burdened. Owners hold 69% of homes, renters 31%. 28,633 residents call 40207 home, typically aged 43. The ZIP holds roughly 14,575 housing units. Home values center near $421,200, an affordability ratio of 4.1×. The vacancy rate is 6.0%.

Overall, 40207 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.