ZIP
40031
KY · County 21185 · pop 25,697 (population)
29.2
Opportunity Index
WEAKNational rank #24446
Why This ZIP
ZIP 40031 ranks #24446 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40031 — 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 21185 — ZIP 40031 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21185 — ZIP 40031 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21185 — ZIP 40031 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 | 20.0 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 64.7 |
| Bank Institutional | 56.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#24446
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp30.2
Pulse score28.5
Signal Breakdown — 10 Categories
Vacancy
4.3
Auction / REO
—
Construction Pressure
64.7
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
20.0
Bank Institutional
56.2
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
4.3%
Bank Score
56.2
Insurance Score
0.0
Listings Discount
20.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40031 | 28.5 | 13.9 | 0.0 | 20.0 |
| County 21185 | 29.0 | 14.4 | 0.0 | 6.9 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40055 | 35.5 | EARLY_SIGNAL | VACANCY | — | 21 |
| 40245 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 21 |
| 40059 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 40068 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 40241 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 17 | 24 |
| 40010 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 40077 | 30.3 | WEAK | VACANCY | — | 16 |
| 40014 | 30.3 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 40056 | 28.9 | WEAK | VACANCY | — | 16 |
| 40026 | 28.7 | WEAK | BANK_INSTITUTIONAL | — | 16 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40031
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.