ZIP 42038 Property Distress & Foreclosure Data

In Lyon County, Kentucky, ZIP 42038 scores 13 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are institutional ownership (45/100), structural risk (25/100), mortgage stress (22/100). By contrast, structural risk (25/100) and mortgage stress (22/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100). The latent-versus-live split is 25/100 structural and 6/100 already moving.

The market reads peak — home values rose 4.7% year on year, and 27% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

A median home runs $198,400 here, or 3.0 times local income. About 15% have a four-year degree. Households earn a median $64,254 — below the roughly $78,000 national figure. Around 32% of renters are cost-burdened. The ZIP holds roughly 3,111 housing units. About 6,045 people live here, median age 43. Roughly 11.7% live below the poverty line. The tenure split is 77% owner-occupied to 23% rented. On demographic stress specifically, 42038 scores 31/100. The vacancy rate is 31.3% — elevated.

Net-net, 42038 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.