ZIP 40854 Property Distress & Foreclosure Data

ZIP code 40854 in Harlan County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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 latent-versus-live split is 51/100 structural and 8/100 already moving.

The peak-phase market in 40854 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.

Around 38% of renters are cost-burdened. The poverty rate is 36.5% — high, a tax-stress and distress correlate. At $33,077, median income runs below typical U.S. levels. The ZIP holds roughly 460 housing units. The demographic-stress sub-score lands at 36/100. 55% of housing is owner-occupied. The vacancy rate is 18.0% — elevated. Population is roughly 853 with a median age of 49. Around 8% of adults hold a bachelor's degree or higher. The typical home is worth about $76,400 (2.3× income, relatively affordable).

On the whole, 40854 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.