ZIP 40807 Property Distress & Foreclosure Data

Composite property distress in 40807 (Harlan County, Kentucky) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. The latent-versus-live split is 51/100 structural and 8/100 already moving. Climate and flood risk are elevated too — FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100).

Prices here sit in a peak phase: values rose 4.7% over the trailing year (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $53,171, below the U.S. median near $78,000. Home values center near $55,500, an affordability ratio of 1.0× — accessible. 11.2% of residents fall below the poverty threshold. Around 0% of renters are cost-burdened. Educational attainment sits at 22% bachelor's-or-above. Owners hold 92% of homes, renters 8%. DLRadar's demographic-stress index for the area reads 16/100. 535 residents call 40807 home, typically aged 45. The vacancy rate is 16.4% — elevated. The ZIP holds roughly 321 housing units.

Taken together, 40807 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.