ZIP 40815 Property Distress & Foreclosure Data

DLRadar grades ZIP 40815 (Harlan County, Kentucky) at a low 24/100 for overall property distress. Structural exposure scores 51 and live distress 8 on the 0–100 scale. 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). Environmental exposure also runs high (FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100)).

The peak-phase market in 40815 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.

The poverty rate is 12.5%. Vacancy runs 35.5%, above the national norm and a classic distress-and-opportunity signal. At $44,453, median income runs below typical U.S. levels. 84% of housing is owner-occupied. There are about 576 housing units across 40815. Around 28% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 23/100. The typical home is worth about $69,900 (1.5× income, relatively affordable). Population is roughly 815 with a median age of 46.

On the whole, 40815 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.