ZIP 40806 Property Distress & Foreclosure Data

DLRadar grades ZIP 40806 (Harlan County, Kentucky) at a low 24/100 for overall property distress. Environmental exposure also runs high (FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100)). Property-level stress concentrates in institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). Structural risk reads 51/100 against active distress of 8/100.

The peak-phase market in 40806 posted values that rose 4.7% over the year, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

75% of housing is owner-occupied. Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,827 with a median age of 48. Around 18% of adults hold a bachelor's degree or higher. The typical home is worth about $99,700 (1.9× income, relatively affordable). At $57,135, median income runs below typical U.S. levels. Rent burden reaches 39% of tenant households. The poverty rate is 16.4% — high, a tax-stress and distress correlate. There are about 936 housing units across 40806. The demographic-stress sub-score lands at 28/100.

On the whole, 40806 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.