ZIP 40461 Property Distress & Foreclosure Data

Garrard County, Kentucky's ZIP 40461 registers 21/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (87/100), FEMA disaster exposure (77/100)). The latent-versus-live split is 46/100 structural and 7/100 already moving. The most distinctive pressure shows up in institutional ownership (61/100), structural risk (46/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100).

The peak-phase market in 40461 posted values that rose 4.6% over the year, and 30% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 8.1%. The poverty rate is 13.6%. At $70,234, median income runs near typical U.S. levels. Around 24% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. 79% of housing is owner-occupied. The typical home is worth about $201,800 (2.7× income, relatively affordable). Population is roughly 2,564 with a median age of 45. Around 36% of renters are cost-burdened. The ZIP holds roughly 989 housing units.

On balance 40461 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.