ZIP 42740 Property Distress & Foreclosure Data

In Hardin County, Kentucky, ZIP 42740 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are construction/permit lag (100/100), structural risk (81/100), institutional ownership (60/100). By contrast, mortgage stress (22/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (76/100), FEMA disaster exposure (73/100). On the structural side it scores 81/100, with 7/100 of stress already active.

The market reads peak — home values rose 2.3% year on year, and 26% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Roughly 2.0% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 888 housing units. Households earn a median $85,372 — near the roughly $78,000 national figure. About 18% have a four-year degree. Around 7% of renters are cost-burdened. The vacancy rate is 12.2% — elevated. The tenure split is 74% owner-occupied to 26% rented. On demographic stress specifically, 42740 scores 20/100. About 1,938 people live here, median age 45. A median home runs $238,900 here, or 2.1 times local income.

Net-net, 42740 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.