ZIP 40831 Property Distress & Foreclosure Data

ZIP code 40831 in Harlan County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic 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). What sets it apart are the readings on 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.

4,719 residents call 40831 home, typically aged 42. There are about 2,431 housing units across 40831. Home values center near $89,100, an affordability ratio of 3.0× — accessible. Owners hold 57% of homes, renters 43%. Educational attainment sits at 19% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 35/100. Rent burden reaches 41% of tenant households. 25.7% of residents fall below the poverty threshold. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $35,417, below the U.S. median near $78,000.

Taken together, 40831 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.