ZIP 40505 Property Distress & Foreclosure Data

Composite property distress in 40505 (Fayette County, Kentucky) lands at 34/100 — moderate on DLRadar's public-record scoring. Structural risk reads 76/100 against active distress of 6/100. The sharpest non-environmental signals are structural risk (76/100), construction/permit lag (68/100), institutional ownership (58/100). By contrast, mortgage stress (22/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (83/100), FEMA disaster exposure (73/100).

The market reads expansion — home values rose 5.3% year on year, and 21% higher over three years, at 30/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 25,855 people live here, median age 40. The tenure split is 60% owner-occupied to 40% rented. There are about 12,134 housing units across 40505. Vacancy runs 9.1%. A median home runs $179,200 here, or 2.8 times local income. On demographic stress specifically, 40505 scores 32/100. Rent burden reaches 46% of tenant households. About 23% have a four-year degree. Households earn a median $58,922 — below the roughly $78,000 national figure. Roughly 20.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Net-net, 40505 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.