ZIP 42728 Property Distress & Foreclosure Data

DLRadar grades ZIP 42728 (Adair County, Kentucky) at a minimal 14/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100). The latent-versus-live split is 28/100 structural and 6/100 already moving. Property-level stress concentrates in institutional ownership (45/100), structural risk (28/100), mortgage stress (19/100). By contrast, structural risk (28/100) and mortgage stress (19/100) register low.

The market reads peak — home values rose 4.7% year on year, and 24% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Households earn a median $49,063 — below the roughly $78,000 national figure. The vacancy rate is 18.8% — elevated. Roughly 17.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 7,586 housing units. Around 28% of renters are cost-burdened. On demographic stress specifically, 42728 scores 29/100. About 20% have a four-year degree. The tenure split is 75% owner-occupied to 25% rented. About 16,108 people live here, median age 40. A median home runs $151,300 here, or 2.7 times local income.

Net-net, 42728 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.