ZIP 40962 Property Distress & Foreclosure Data

ZIP code 40962 in Clay County, Kentucky carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (67/100), structural risk (56/100), mortgage stress (27/100). On the quiet end sit mortgage stress (27/100) and construction/permit lag (19/100). Environmental exposure also runs high (FEMA disaster exposure (94/100), flood (NFIP) exposure (73/100), climate & FEMA risk (60/100)). On the structural side it scores 56/100, with 8/100 of stress already active.

The peak-phase market in 40962 posted values that rose 4.5% over the year (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $39,694, median income runs below typical U.S. levels. Population is roughly 17,390 with a median age of 41. The demographic-stress sub-score lands at 34/100. Around 51% of renters are cost-burdened. The poverty rate is 33.6% — high, a tax-stress and distress correlate. Around 17% of adults hold a bachelor's degree or higher. The typical home is worth about $103,000 (2.4× income, relatively affordable). The vacancy rate is 15.4% — elevated. 78% of housing is owner-occupied. The ZIP holds roughly 7,377 housing units.

On the whole, 40962 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.