ZIP 40810 Property Distress & Foreclosure Data

DLRadar grades ZIP 40810 (Harlan County, Kentucky) at a low 23/100 for overall property distress. Property-level stress concentrates in institutional ownership (64/100), structural risk (50/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. The latent-versus-live split is 50/100 structural and 8/100 already moving. Climate and flood risk are elevated too — FEMA disaster exposure (91/100), flood (NFIP) exposure (69/100).

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 $38,214, below the U.S. median near $78,000. 29.0% of residents fall below the poverty threshold. The vacancy rate is 17.9% — elevated. Educational attainment sits at 6% bachelor's-or-above. The ZIP holds roughly 613 housing units. DLRadar's demographic-stress index for the area reads 26/100. Home values center near $64,700, an affordability ratio of 1.7× — accessible. 1,403 residents call 40810 home, typically aged 35. Around 12% of renters are cost-burdened. Owners hold 86% of homes, renters 14%.

Taken together, 40810 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.