ZIP 40409 Property Distress & Foreclosure Data

In Rockcastle County, Kentucky, ZIP 40409 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (65/100), structural risk (55/100), construction/permit lag (53/100). By contrast, mortgage stress (25/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), flood (NFIP) exposure (67/100). On the structural side it scores 55/100, with 8/100 of stress already active.

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

About 15% have a four-year degree. Roughly 23.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 3,638 people live here, median age 41. Around 32% of renters are cost-burdened. A median home runs $123,600 here, or 2.3 times local income. The ZIP holds roughly 1,620 housing units. Households earn a median $51,103 — below the roughly $78,000 national figure. The vacancy rate is 11.2%. On demographic stress specifically, 40409 scores 30/100. The tenure split is 70% owner-occupied to 30% rented.

Net-net, 40409 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.