ZIP
40003
KY · County 21211 · pop 2,052 (population)
26.4
Opportunity Index
WEAKNational rank #30022
Why This ZIP
ZIP 40003 ranks #30022 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.9, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40003 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 21211 — ZIP 40003 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21211 — ZIP 40003 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21211 — ZIP 40003 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 11.0 |
| Vacancy | 4.9 |
▼ Top 3 Risk Signals
| Construction Pressure | 39.8 |
| Bank Institutional | 29.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#30022
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp36.9
Pulse score19.4
Signal Breakdown — 10 Categories
Vacancy
4.9
Auction / REO
—
Construction Pressure
39.8
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
29.5
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
4.9%
Bank Score
29.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40003 | 19.4 | 11.9 | 0.0 | — |
| County 21211 | 26.9 | 13.9 | 0.0 | 21.5 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40342 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 50 | 20 |
| 40023 | 34.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 40057 | 33.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 40601 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 42 | 20 |
| 40245 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 21 |
| 40076 | 32.9 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 50 | 14 |
| 40067 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 13 |
| 40071 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 29 | 21 |
| 40068 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 40019 | 30.8 | WEAK | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40003
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.