ZIP 40964 Property Distress & Foreclosure Data
DLRadar grades ZIP 40964 (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). It additionally carries heavy environmental risk: FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). The latent-versus-live split is 51/100 structural and 0/100 already moving.
The market reads peak — home values rose 4.7% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.
Around 100% of renters are cost-burdened. About 104 people live here, median age 61. Roughly 17.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 0% have a four-year degree. The tenure split is 56% owner-occupied to 44% rented. The vacancy rate is 31.3% — elevated. On demographic stress specifically, 40964 scores 51/100. The ZIP holds roughly 89 housing units.
Net-net, 40964 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Distress signal breakdown — ZIP 40964
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Harlan County
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Deterministic. Every signal traces to a public dataset · methodology