ZIP 42746 Property Distress & Foreclosure Data

DLRadar grades ZIP 42746 (Hart County, Kentucky) at a low 19/100 for overall property distress. Property-level stress concentrates in institutional ownership (54/100), structural risk (42/100), construction/permit lag (37/100). By contrast, construction/permit lag (37/100) and mortgage stress (22/100) register low. The latent-versus-live split is 42/100 structural and 7/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100).

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

The vacancy rate is 23.2% — elevated. Roughly 18.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 978 housing units. About 8% have a four-year degree. Around 39% of renters are cost-burdened. The tenure split is 84% owner-occupied to 16% rented. Households earn a median $55,048 — below the roughly $78,000 national figure. On demographic stress specifically, 42746 scores 30/100. A median home runs $115,200 here, or 2.0 times local income. About 2,473 people live here, median age 34.

Net-net, 42746 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.