ZIP 41086 Property Distress & Foreclosure Data

Composite property distress in 41086 (Gallatin County, Kentucky) lands at 22/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), FEMA disaster exposure (73/100). On the structural side it scores 51/100, with 7/100 of stress already active. The sharpest non-environmental signals are institutional ownership (58/100), construction/permit lag (58/100), structural risk (51/100). mortgage stress (24/100) stay muted.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 23% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $59,911, below the U.S. median near $78,000. The ZIP holds roughly 976 housing units. 5.3% of residents fall below the poverty threshold. Home values center near $168,800, an affordability ratio of 2.8× — accessible. Around 50% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 15% bachelor's-or-above. The vacancy rate is 14.5% — elevated. 2,126 residents call 41086 home, typically aged 38. Owners hold 80% of homes, renters 20%.

Taken together, 41086 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.