ZIP 40856 Property Distress & Foreclosure Data

DLRadar grades ZIP 40856 (Bell County, Kentucky) at a moderate 30/100 for overall property distress. Property-level stress concentrates in structural risk (66/100), institutional ownership (64/100), construction/permit lag (59/100). By contrast, mortgage stress (25/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100). On the structural side it scores 66/100, with 8/100 of stress already active.

The market reads peak — home values rose 4.5% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Households earn a median $47,292 — below the roughly $78,000 national figure. Around 0% of renters are cost-burdened. Roughly 17.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 76% owner-occupied to 24% rented. About 4% have a four-year degree. On demographic stress specifically, 40856 scores 22/100. About 827 people live here, median age 48. A median home runs $83,300 here, or 1.7 times local income. The ZIP holds roughly 367 housing units. The vacancy rate is 14.7% — elevated.

Net-net, 40856 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.