ZIP 40516 Foreclosure, Tax-Lien & Distress Report

In Fayette County, Kentucky, ZIP 40516 scores 31 of 100 for composite distress, a moderate level on DLRadar's distress index. Structurally it carries 69/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (81/100), FEMA disaster exposure (74/100). The pressure is most legible in structural risk (69/100), institutional ownership (58/100), construction/permit lag (48/100). mortgage stress (22/100) stay muted.

The market reads expansion — home values rose 5.9% year on year, and 42% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 82% of homes, renters 18%. Home values center near $264,100, an affordability ratio of 2.9× — accessible. DLRadar's demographic-stress index for the area reads 26/100. Rent burden reaches 28% of tenant households. The vacancy rate is 2.6%. The ZIP holds roughly 1,204 housing units. About 2,809 people live here, median age 37. Around 38% of adults hold a bachelor's degree or higher. Roughly 21.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $85,655, near the U.S. median near $78,000.

Taken together, 40516 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.

The number is not local guesswork: 40516's 31/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 40516 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 40516'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. In workflow terms, 40516 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.