ZIP 40737 Property Distress & Foreclosure Data

ZIP code 40737 in Laurel County, Kentucky carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (83/100), flood (NFIP) exposure (79/100), climate & FEMA risk (69/100)). The latent-versus-live split is 58/100 structural and 7/100 already moving. What sets it apart are the readings on institutional ownership (62/100), structural risk (58/100), mortgage stress (24/100). On the quiet end sit mortgage stress (24/100) and construction/permit lag (19/100).

The peak-phase market in 40737 posted values that rose 4.5% over the year (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $59,500, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 624 housing units. Population is roughly 1,824 with a median age of 31. The poverty rate is 19.1% — high, a tax-stress and distress correlate. Around 13% of adults hold a bachelor's degree or higher. The vacancy rate is 0.0%. 87% of housing is owner-occupied. Around 40% of renters are cost-burdened. The typical home is worth about $137,000 (2.3× income, relatively affordable).

On balance 40737 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.