ZIP
40059
KY · County 21185 · pop 19,899 (population)
32.4
Opportunity Index
EARLY_SIGNALNational rank #16108
Why This ZIP
ZIP 40059 ranks #16108 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 32.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40059 — 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 40059 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21185 — ZIP 40059 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21185 — ZIP 40059 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 | 18.0 |
| Foreclosure / Delinquency | 11.0 |
| Vacancy | 5.6 |
▼ Top 3 Risk Signals
| Construction Pressure | 79.2 |
| Bank Institutional | 55.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#16108
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp32.5
Pulse score32.3
Signal Breakdown — 10 Categories
Vacancy
5.6
Auction / REO
—
Construction Pressure
79.2
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
55.7
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
5.6%
Bank Score
55.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40059 | 32.3 | 16.1 | 0.0 | — |
| County 21185 | 28.5 | 13.1 | 0.0 | 6.9 |
| KY state avg | 33.9 | 22.0 | 0.0 | 29.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40055 | 35.1 | EARLY_SIGNAL | VACANCY | — | 20 |
| 40245 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 19 |
| 40068 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 40241 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 17 | 22 |
| 40010 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 40014 | 29.9 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 40077 | 29.8 | WEAK | VACANCY | — | 15 |
| 40031 | 28.8 | WEAK | BANK_INSTITUTIONAL | 20 | 16 |
| 40056 | 28.6 | WEAK | VACANCY | — | 15 |
| 40026 | 28.3 | WEAK | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40059
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.