ZIP 40313 Property Distress & Foreclosure Data

ZIP code 40313 in Rowan County, Kentucky carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (58/100), structural risk (42/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) register low. On the structural side it scores 42/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100).

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

Households earn a median $64,155 — below the roughly $78,000 national figure. Roughly 15.5% live below the poverty line. About 2,856 people live here, median age 37. A median home runs $116,100 here, or 1.8 times local income. On demographic stress specifically, 40313 scores 25/100. The tenure split is 63% owner-occupied to 37% rented. Around 22% of renters are cost-burdened. The vacancy rate is 14.8% — elevated. About 26% have a four-year degree. The ZIP holds roughly 1,421 housing units.

Net-net, 40313 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.