ZIP 40361 Property Distress & Foreclosure Data

Composite property distress in 40361 (Bourbon County, Kentucky) lands at 22/100 — low on DLRadar's public-record scoring. Structural risk reads 47/100 against active distress of 7/100. The sharpest non-environmental signals are institutional ownership (59/100), structural risk (47/100), construction/permit lag (26/100). By contrast, construction/permit lag (26/100) and mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), flood (NFIP) exposure (61/100).

The market reads expansion — home values rose 5.3% year on year, and 20% higher over three years, at 30/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 18,422 people live here, median age 41. On demographic stress specifically, 40361 scores 32/100. Vacancy runs 10.9%. Rent burden reaches 37% of tenant households. The tenure split is 65% owner-occupied to 35% rented. About 25% have a four-year degree. There are about 8,177 housing units across 40361. Roughly 13.0% live below the poverty line. A median home runs $233,000 here, or 3.8 times local income. Households earn a median $57,074 — below the roughly $78,000 national figure.

Net-net, 40361 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.