ZIP 40740 Property Distress & Foreclosure Data

Laurel County, Kentucky's ZIP 40740 registers 27/100 composite distress, which DLRadar reads as low. 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. The most distinctive pressure shows up in 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 40740 posted values that rose 4.5% over the year, and 34% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $60,824, median income runs below typical U.S. levels. The poverty rate is 21.3% — high, a tax-stress and distress correlate. Around 10% of adults hold a bachelor's degree or higher. Population is roughly 3,954 with a median age of 40. Around 62% of renters are cost-burdened. The vacancy rate is 2.3%. The typical home is worth about $111,100 (2.0× income, relatively affordable). The demographic-stress sub-score lands at 34/100. 64% of housing is owner-occupied. The ZIP holds roughly 1,422 housing units.

On the whole, 40740 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.