ZIP 40744 Property Distress & Foreclosure Data

Composite property distress in 40744 (Laurel County, Kentucky) lands at 27/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (78/100), climate & FEMA risk (69/100). The latent-versus-live split is 58/100 structural and 7/100 already moving. The sharpest non-environmental signals are institutional ownership (62/100), structural risk (58/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (19/100) stay muted.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 14% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $64,643, below the U.S. median near $78,000. 21.6% of residents fall below the poverty threshold. Owners hold 73% of homes, renters 27%. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $172,700, an affordability ratio of 2.4× — accessible. Educational attainment sits at 17% bachelor's-or-above. The ZIP holds roughly 8,218 housing units. 20,104 residents call 40744 home, typically aged 39. Around 33% of renters are cost-burdened. The vacancy rate is 9.4%.

Taken together, 40744 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.