ZIP 40977 Property Distress & Foreclosure Data

In Bell County, Kentucky, ZIP 40977 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (88/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100)). On the structural side it scores 66/100, with 8/100 of stress already active. Its standout signals are structural risk (66/100), institutional ownership (64/100), construction/permit lag (59/100). On the quiet end sit mortgage stress (25/100).

The peak-phase market in 40977 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.

64% of housing is owner-occupied. Around 34% of renters are cost-burdened. The vacancy rate is 19.1% — elevated. The ZIP holds roughly 3,918 housing units. At $35,822, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. The poverty rate is 23.8% — high, a tax-stress and distress correlate. The typical home is worth about $85,600 (2.3× income, relatively affordable). Around 17% of adults hold a bachelor's degree or higher. Population is roughly 8,218 with a median age of 40.

On the whole, 40977 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.