ZIP 42440 Foreclosure, Tax-Lien & Distress Report

ZIP code 42440 in Hopkins County, Kentucky carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (71/100)). Leading the profile are institutional ownership (62/100), structural risk (56/100), construction/permit lag (4/100). By contrast, construction/permit lag (4/100) register low. The latent-versus-live split is 56/100 structural and 0/100 already moving.

The peak-phase market in 42440 posted values that rose 4.4% over the year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

83% of housing is owner-occupied. Vacancy runs 15.0%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 746 with a median age of 45. Around 7% of adults hold a bachelor's degree or higher. A median home runs $96,800 here, or 2.5 times local income. There are about 327 housing units across 42440. The demographic-stress sub-score lands at 35/100. Roughly 20.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 68% of tenant households. Median household income is $38,750, below the U.S. median near $78,000.

Net-net, 42440 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 42440 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 42440's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 42440 reflects the current record instead of a stale or modeled snapshot.

42440's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 42440 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.