ZIP 40863 Property Distress & Foreclosure Data

ZIP code 40863 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). On the structural side it scores 51/100, with 8/100 of stress already active. Environmental exposure also runs high (FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100)).

The peak-phase market in 40863 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.

Population is roughly 801 with a median age of 48. At $45,575, median income runs below typical U.S. levels. 82% of housing is owner-occupied. The ZIP holds roughly 360 housing units. The typical home is worth about $44,000 (1.1× income, relatively affordable). The demographic-stress sub-score lands at 26/100. The vacancy rate is 26.4% — elevated. The poverty rate is 28.1% — high, a tax-stress and distress correlate. Around 26% of adults hold a bachelor's degree or higher.

On the whole, 40863 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.