ZIP 40806 Foreclosure, Tax-Lien & Distress Report
Harlan County, Kentucky · High Vacancy market
Composite property distress in 40806 (Harlan County, Kentucky) lands at 23/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). The pressure is most legible in institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). Structural risk reads 50/100 against active distress of 8/100.
Prices here sit in a expansion phase: values rose 5.3% over the trailing year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The tenure split is 75% owner-occupied to 25% rented. The vacancy rate is 16.9% — elevated. About 1,827 people live here, median age 48. About 18% have a four-year degree. Home values center near $99,700, an affordability ratio of 1.9× — accessible. At $57,135, median income runs below typical U.S. levels. Around 39% of renters are cost-burdened. The poverty rate is 16.4% — high, a tax-stress and distress correlate. The ZIP holds roughly 936 housing units. DLRadar's demographic-stress index for the area reads 28/100.
Taken together, 40806 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 40806 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Big metro or rural, 40806 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Harlan County, Kentucky and the nation. Nothing here is interpolated — where a source is thin for 40806, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 40806 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For an operator, 40806 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 40806
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 40806 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 40806, the same set carried on every parcel.
Neighbouring ZIPs in Harlan County
Keep exploring Kentucky distress
Further distress data across Harlan County, Kentucky at ZIP, county and state level.
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Deterministic. Every signal traces to a public dataset · methodology