ZIP 40818 Property Distress & Foreclosure Data
ZIP code 40818 in Harlan County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100)). The latent-versus-live split is 51/100 structural and 0/100 already moving. What sets it apart are the readings on institutional ownership (65/100), structural risk (51/100).
The peak-phase market in 40818 posted values that rose 4.7% over the year (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The poverty rate is 53.4% — high, a tax-stress and distress correlate. 89% of housing is owner-occupied. Population is roughly 148 with a median age of 46. The demographic-stress sub-score lands at 38/100. Around 0% of renters are cost-burdened. Around 5% of adults hold a bachelor's degree or higher. At $36,797, median income runs below typical U.S. levels. The vacancy rate is 37.8% — elevated. The ZIP holds roughly 48 housing units.
On the whole, 40818 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.
Distress signal breakdown — ZIP 40818
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Harlan County
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Deterministic. Every signal traces to a public dataset · methodology