ZIP 40823 Property Distress & Foreclosure Data

In Harlan County, Kentucky, ZIP 40823 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). On the structural side it scores 51/100, with 8/100 of stress already active.

The market reads peak — home values rose 4.7% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 1,817 housing units. The vacancy rate is 15.9% — elevated. Households earn a median $35,704 — below the roughly $78,000 national figure. The tenure split is 57% owner-occupied to 43% rented. About 13% have a four-year degree. About 3,907 people live here, median age 32. Around 36% of renters are cost-burdened. On demographic stress specifically, 40823 scores 36/100. Roughly 42.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $70,500 here, or 2.1 times local income.

Net-net, 40823 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.