ZIP 41095 Property Distress & Foreclosure Data

Composite property distress in 41095 (Gallatin County, Kentucky) lands at 22/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (59/100), institutional ownership (57/100), structural risk (51/100). mortgage stress (23/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (82/100), FEMA disaster exposure (73/100). The latent-versus-live split is 51/100 structural and 7/100 already moving.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 14% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 13% bachelor's-or-above. Around 26% of renters are cost-burdened. 3,775 residents call 41095 home, typically aged 38. The vacancy rate is 14.0% — elevated. Home values center near $180,700, an affordability ratio of 2.8× — accessible. 15.6% of residents fall below the poverty threshold. Owners hold 59% of homes, renters 41%. Median household income is $59,342, below the U.S. median near $78,000. The ZIP holds roughly 1,747 housing units.

Taken together, 41095 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.