ZIP 42431 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 42431 in Hopkins County, Kentucky comes in at 26, a low composite-distress reading. Latent structural risk is 56/100 while live distress already moving reads 7/100. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (71/100). The most distinctive pressure shows up in institutional ownership (62/100), structural risk (56/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) and construction/permit lag (4/100) register low.

The market reads peak — home values rose 4.4% year on year, and 25% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 27,095 with a median age of 38. Home values center near $160,700, an affordability ratio of 2.6× — accessible. Vacancy runs 13.5%, above the national norm and a classic distress-and-opportunity signal. Median household income is $57,529, below the U.S. median near $78,000. 21.2% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 30/100. The ZIP holds roughly 12,720 housing units. Rent burden reaches 34% of tenant households. The tenure split is 68% owner-occupied to 32% rented. About 20% have a four-year degree.

On the whole, 42431 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.

Because one deterministic model scores every ZIP, 42431's 26/100 can be lined up against any neighbor in Hopkins County, Kentucky or any ZIP coast to coast. Sparse data for 42431 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 26/100 figure for 42431 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 42431 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.