ZIP 40403 Property Distress & Foreclosure Data

ZIP code 40403 in Madison County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (60/100), structural risk (52/100), mortgage stress (23/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (85/100), FEMA disaster exposure (76/100), climate & FEMA risk (65/100). The latent-versus-live split is 52/100 structural and 7/100 already moving.

The market reads peak — home values rose 4.5% year on year, and 19% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Households earn a median $60,105 — below the roughly $78,000 national figure. The ZIP holds roughly 11,355 housing units. Around 38% of renters are cost-burdened. The vacancy rate is 7.9%. Roughly 17.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 70% owner-occupied to 30% rented. About 26% have a four-year degree. About 26,733 people live here, median age 38. On demographic stress specifically, 40403 scores 30/100. A median home runs $200,200 here, or 3.0 times local income.

Net-net, 40403 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.