ZIP 40769 Property Distress & Foreclosure Data

ZIP code 40769 in Whitley County, Kentucky carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100). What sets it apart are the readings on construction/permit lag (50/100), structural risk (48/100), institutional ownership (47/100). By contrast, mortgage stress (19/100) register low. Structural risk reads 48/100 against active distress of 6/100.

The market reads peak — home values rose 4.5% year on year, and 52% higher over three years, at 33/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 16.8%, above the national norm and a classic distress-and-opportunity signal. A median home runs $105,500 here, or 2.3 times local income. The tenure split is 63% owner-occupied to 37% rented. There are about 7,262 housing units across 40769. Rent burden reaches 36% of tenant households. On demographic stress specifically, 40769 scores 32/100. About 17,931 people live here, median age 33. About 18% have a four-year degree. Roughly 29.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $41,772 — below the roughly $78,000 national figure.

Net-net, 40769 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.