ZIP 40741 Property Distress & Foreclosure Data

ZIP code 40741 in Laurel County, Kentucky carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (78/100), climate & FEMA risk (69/100). What sets it apart are the readings on institutional ownership (62/100), structural risk (58/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (19/100) stay muted. Structural exposure scores 58 and live distress 7 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 6% higher over three years, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 10,325 housing units across 40741. 18.8% of residents fall below the poverty threshold. Owners hold 71% of homes, renters 29%. Rent burden reaches 34% of tenant households. 23,303 residents call 40741 home, typically aged 39. DLRadar's demographic-stress index for the area reads 29/100. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. Median household income is $60,417, below the U.S. median near $78,000. Home values center near $168,500, an affordability ratio of 2.6× — accessible. Educational attainment sits at 19% bachelor's-or-above.

Taken together, 40741 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.