ZIP 40828 Property Distress & Foreclosure Data

In Harlan County, Kentucky, ZIP 40828 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 51/100 against active distress of 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). Its standout signals are institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). mortgage stress (26/100) stay muted.

Prices here sit in a peak phase: values rose 4.7% over the trailing year, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

4,431 residents call 40828 home, typically aged 39. Vacancy runs 13.6%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 28/100. There are about 1,925 housing units across 40828. Owners hold 77% of homes, renters 23%. Median household income is $39,340, below the U.S. median near $78,000. Home values center near $62,200, an affordability ratio of 1.4× — accessible. 26.1% of residents fall below the poverty threshold. Educational attainment sits at 9% bachelor's-or-above. Rent burden reaches 33% of tenant households.

Taken together, 40828 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.