ZIP 40601 Property Distress & Foreclosure Data

ZIP code 40601 in Franklin County, Kentucky carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (69/100), structural risk (69/100), construction/permit lag (52/100). By contrast, mortgage stress (25/100) register low. The latent-versus-live split is 69/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (93/100), FEMA disaster exposure (90/100), climate & FEMA risk (64/100).

The market reads peak — home values rose 4.5% year on year, and 21% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

On demographic stress specifically, 40601 scores 28/100. Roughly 13.2% live below the poverty line. The tenure split is 65% owner-occupied to 35% rented. Around 36% of renters are cost-burdened. Households earn a median $67,125 — below the roughly $78,000 national figure. The ZIP holds roughly 24,298 housing units. A median home runs $216,700 here, or 3.0 times local income. About 51,627 people live here, median age 41. About 32% have a four-year degree. The vacancy rate is 6.3%.

Net-net, 40601 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.