ZIP
40004
KY · County 21179 · pop 30,345 (population)
30.4
Opportunity Index
WEAKNational rank #21513
Why This ZIP
ZIP 40004 ranks #21513 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40004 — 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 21179 — ZIP 40004 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21179 — ZIP 40004 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21179 — ZIP 40004 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
| Listings Discount | 30.1 |
| Property Stress | 18.0 |
| Foreclosure / Delinquency | 12.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 49.6 |
| Construction Pressure | 35.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#21513
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp35.7
Pulse score26.8
Signal Breakdown — 10 Categories
Vacancy
5.1
Auction / REO
—
Construction Pressure
35.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
30.1
Bank Institutional
49.6
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
103.3
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
5.1%
Bank Score
49.6
Insurance Score
0.0
Listings Discount
30.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40004 | 26.8 | 15.9 | 0.0 | 30.1 |
| County 21179 | 26.6 | 16.4 | 0.0 | 24.9 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40051 | 36.8 | PEAK_OPPORTUNITY | VACANCY | 37 | 22 |
| 40008 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 19 |
| 40037 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 40107 | 28.8 | WEAK | VACANCY | — | 18 |
| 40013 | 27.9 | WEAK | BANK_INSTITUTIONAL | — | 19 |
| 40052 | 27.2 | WEAK | VACANCY | — | 14 |
| 40012 | 26.2 | WEAK | BANK_INSTITUTIONAL | — | 18 |
| 40020 | 22.8 | WEAK | BANK_INSTITUTIONAL | — | 8 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40004
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.