ZIP 40489 Property Distress & Foreclosure Data

Lincoln County, Kentucky's ZIP 40489 registers 22/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (74/100), flood (NFIP) exposure (70/100). On the structural side it scores 51/100, with 6/100 of stress already active. The most distinctive pressure shows up in institutional ownership (55/100), construction/permit lag (53/100), structural risk (51/100). mortgage stress (22/100) stay muted.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 46% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,663 housing units. Educational attainment sits at 13% bachelor's-or-above. Around 79% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 35/100. 4,238 residents call 40489 home, typically aged 42. Owners hold 89% of homes, renters 11%. 23.1% of residents fall below the poverty threshold. The vacancy rate is 7.3%. Median household income is $49,205, below the U.S. median near $78,000. Home values center near $91,200, an affordability ratio of 2.4× — accessible.

Taken together, 40489 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.