ZIP 40486 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 40486 (Jackson County, Kentucky) at a low 18/100 for overall property distress. Climate and flood risk are elevated too — FEMA disaster exposure (95/100), flood (NFIP) exposure (72/100). Its heaviest discrete signals: institutional ownership (67/100), structural risk (40/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) register low. On the structural side it scores 40/100, with 7/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 2,774 with a median age of 36. A median home runs $157,500 here, or 2.0 times local income. Vacancy runs 10.4%. 90% of housing is owner-occupied. On demographic stress specifically, 40486 scores 22/100. Rent burden reaches 9% of tenant households. At $59,987, median income runs below typical U.S. levels. The ZIP holds roughly 1,043 housing units. About 13% have a four-year degree. The poverty rate is 12.7%.

On balance 40486 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.

The number is not local guesswork: 40486's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 40486, the field stays empty rather than modeled, and fills in as new documents post.

Behind 40486's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 40486 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.