ZIP
40068
KY · County 21103 · pop 2,663 (population)
32.0
Opportunity Index
EARLY_SIGNALNational rank #17169
Why This ZIP
ZIP 40068 ranks #17169 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40068 — 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 21103 — ZIP 40068 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21103 — ZIP 40068 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21103 — ZIP 40068 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 | 21.0 |
| Foreclosure / Delinquency | 18.0 |
| Vacancy | 1.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.8 |
| Construction Pressure | 47.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#17169
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.0
Pulse score33.4
Signal Breakdown — 10 Categories
Vacancy
1.3
Auction / REO
—
Construction Pressure
47.5
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
70.8
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
1.3%
Bank Score
70.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40068 | 33.4 | 19.4 | 0.0 | — |
| County 21103 | 32.4 | 19.9 | 0.0 | 6.5 |
| 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 |
|---|---|---|---|---|---|
| 40055 | 35.5 | EARLY_SIGNAL | VACANCY | — | 21 |
| 40050 | 33.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 23 |
| 40011 | 33.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 23 |
| 40057 | 33.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 40601 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 42 | 20 |
| 40007 | 32.8 | EARLY_SIGNAL | VACANCY | — | 23 |
| 40075 | 32.6 | EARLY_SIGNAL | VACANCY | — | 23 |
| 40019 | 30.8 | WEAK | BANK_INSTITUTIONAL | — | 20 |
| 40031 | 29.2 | WEAK | BANK_INSTITUTIONAL | 20 | 17 |
| 40070 | 28.9 | WEAK | VACANCY | — | 13 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40068
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.