ZIP 40870 Property Distress & Foreclosure Data

Composite property distress in 40870 (Harlan County, Kentucky) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. On the structural side it scores 51/100, with 8/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100).

Prices here sit in a peak phase: values rose 4.7% over the trailing year (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

3.4% of residents fall below the poverty threshold. The vacancy rate is 11.6% — elevated. Median household income is $46,961, below the U.S. median near $78,000. Educational attainment sits at 8% bachelor's-or-above. The ZIP holds roughly 239 housing units. DLRadar's demographic-stress index for the area reads 29/100. Around 52% of renters are cost-burdened. Home values center near $132,000, an affordability ratio of 2.7× — accessible. Owners hold 88% of homes, renters 12%. 635 residents call 40870 home, typically aged 52.

Overall, 40870 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.