ZIP 40865 Property Distress & Foreclosure Data

DLRadar grades ZIP 40865 (Harlan County, Kentucky) at a low 24/100 for overall property distress. Property-level stress concentrates in institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) register low. The latent-versus-live split is 51/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100).

The market reads peak — home values rose 4.7% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

About 365 people live here, median age 55. A median home runs $69,400 here, or 1.3 times local income. The tenure split is 100% owner-occupied to 0% rented. The ZIP holds roughly 192 housing units. On demographic stress specifically, 40865 scores 17/100. About 6% have a four-year degree. Households earn a median $54,052 — below the roughly $78,000 national figure. The vacancy rate is 7.6%. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 40865 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.