ZIP 40813 Property Distress & Foreclosure Data

ZIP code 40813 in Bell County, Kentucky carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100). What sets it apart are the readings on structural risk (66/100), institutional ownership (64/100), construction/permit lag (59/100). mortgage stress (25/100) stay muted. Structural risk reads 66/100 against active distress of 8/100.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

321 residents call 40813 home, typically aged 45. Home values center near $159,800, an affordability ratio of 2.6× — accessible. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 33% of tenant households. Median household income is $62,381, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 29/100. There are about 182 housing units across 40813. Educational attainment sits at 5% bachelor's-or-above. Owners hold 64% of homes, renters 36%. 5.3% of residents fall below the poverty threshold.

Taken together, 40813 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.