ZIP 40229 Foreclosure, Tax-Lien & Distress Report

In Jefferson County, Kentucky, ZIP 40229 scores 33 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (73/100), institutional ownership (65/100), construction/permit lag (39/100). By contrast, construction/permit lag (39/100) and mortgage stress (24/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (92/100), FEMA disaster exposure (82/100). On the structural side it scores 73/100, with 7/100 of stress already active.

The market reads peak — home values rose 3.8% year on year, and 18% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Roughly 12.5% live below the poverty line. The vacancy rate is 3.0%. Around 28% of renters are cost-burdened. About 24% have a four-year degree. The ZIP holds roughly 16,163 housing units. The tenure split is 74% owner-occupied to 26% rented. About 40,015 people live here, median age 36. On demographic stress specifically, 40229 scores 26/100. Households earn a median $78,877 — near the roughly $78,000 national figure. A median home runs $215,100 here, or 2.5 times local income.

Net-net, 40229 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.