ZIP 40914 Property Distress & Foreclosure Data

DLRadar grades ZIP 40914 (Clay County, Kentucky) at a low 22/100 for overall property distress. Environmental exposure also runs high (FEMA disaster exposure (91/100), flood (NFIP) exposure (71/100)). Property-level stress concentrates in institutional ownership (65/100), structural risk (48/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). Structural exposure scores 48 and live distress 8 on the 0–100 scale.

The peak-phase market in 40914 posted values that rose 4.6% over the year, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 955 with a median age of 35. The typical home is worth about $47,200 (1.6× income, relatively affordable). 68% of housing is owner-occupied. Vacancy runs 24.2%, above the national norm and a classic distress-and-opportunity signal. There are about 412 housing units across 40914. The poverty rate is 22.7% — high, a tax-stress and distress correlate. Around 5% of adults hold a bachelor's degree or higher. At $28,990, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. Rent burden reaches 39% of tenant households.

On the whole, 40914 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.