ZIP 40509 Property Distress & Foreclosure Data

DLRadar grades ZIP 40509 (Fayette County, Kentucky) at a moderate 34/100 for overall property distress. Structural risk reads 75/100 against active distress of 6/100. Property-level stress concentrates in structural risk (75/100), construction/permit lag (67/100), institutional ownership (58/100). On the quiet end sit mortgage stress (22/100). Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (83/100), FEMA disaster exposure (74/100)).

The expansion-phase market in 40509 posted values that rose 5.3% over the year, and 19% higher over three years, at 30/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

62% of housing is owner-occupied. Rent burden reaches 37% of tenant households. Population is roughly 45,135 with a median age of 37. There are about 20,190 housing units across 40509. The typical home is worth about $366,300 (3.8× income, relatively affordable). Vacancy runs 5.2%. The demographic-stress sub-score lands at 28/100. The poverty rate is 7.7%. Around 57% of adults hold a bachelor's degree or higher. At $89,429, median income runs above typical U.S. levels.

On balance 40509 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.