ZIP 41040 Property Distress & Foreclosure Data

Composite property distress in 41040 (Pendleton County, Kentucky) lands at 18/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (59/100), structural risk (41/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100). The latent-versus-live split is 41/100 structural and 7/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (84/100), FEMA disaster exposure (74/100)).

The peak-phase market in 41040 posted values that rose 4.5% over the year, and 33% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 14% of adults hold a bachelor's degree or higher. The poverty rate is 17.3% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 31/100. Around 38% of renters are cost-burdened. The vacancy rate is 15.9% — elevated. Population is roughly 6,998 with a median age of 46. At $51,511, median income runs below typical U.S. levels. 72% of housing is owner-occupied. The typical home is worth about $137,500 (2.8× income, relatively affordable). The ZIP holds roughly 3,357 housing units.

On the whole, 41040 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.