ZIP 40903 Foreclosure, Tax-Lien & Distress Report

Knox County, Kentucky's ZIP 40903 registers 23/100 composite distress, which DLRadar reads as low. The split runs 50/100 structural to 7/100 active on the ground. Environmental exposure also runs high (FEMA disaster exposure (78/100), climate & FEMA risk (67/100), flood (NFIP) exposure (67/100)). Its heaviest discrete signals: institutional ownership (60/100), structural risk (50/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) register low.

The peak-phase market in 40903 posted values that rose 4.4% over the year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $38,500, an affordability ratio of 0.9× — accessible. Around 30% of renters are cost-burdened. About 786 people live here, median age 54. DLRadar's demographic-stress index for the area reads 23/100. The tenure split is 80% owner-occupied to 20% rented. The vacancy rate is 19.5% — elevated. The ZIP holds roughly 334 housing units. Median household income is $57,417, below the U.S. median near $78,000. The poverty rate is 6.5% — low. Educational attainment sits at 6% bachelor's-or-above.

On the whole, 40903 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 40903 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 40903 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 40903 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 23/100 figure for 40903 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 40903 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.