ZIP
40104
KY · County 21163 · pop 1,263 (population)
40.1
Opportunity Index
PEAK_OPPORTUNITYNational rank #2115
Why This ZIP
ZIP 40104 ranks #2115 nationally with phase PEAK_OPPORTUNITY. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 53.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40104 — 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 21163 — ZIP 40104 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21163 — ZIP 40104 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21163 — ZIP 40104 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 | 60.2 |
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 35.3 |
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2115
PhasePEAK_OPPORTUNITY
Primary driverLISTINGS_DISCOUNT
Capital opp53.3
Pulse score31.3
Signal Breakdown — 10 Categories
Vacancy
11.3
Auction / REO
—
Construction Pressure
35.3
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
60.2
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
7.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
11.3%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
60.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40104 | 31.3 | 24.8 | 0.0 | 60.2 |
| County 21163 | 33.6 | 24.7 | 0.0 | 15.6 |
| 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 |
|---|---|---|---|---|---|
| 40146 | 41.1 | OVERHEATED | VACANCY | — | 38 |
| 40175 | 40.5 | PEAK_OPPORTUNITY | VACANCY | 51 | 26 |
| 40171 | 37.8 | OVERHEATED | VACANCY | — | 38 |
| 40155 | 36.9 | OVERHEATED | VACANCY | — | 25 |
| 40176 | 36.5 | OVERHEATED | VACANCY | — | 33 |
| 40108 | 33.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 25 |
| 40157 | 31.3 | EARLY_SIGNAL | VACANCY | — | 26 |
| 40142 | 31.2 | EARLY_SIGNAL | VACANCY | — | 26 |
| 40117 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 25 |
| 40121 | 30.1 | WEAK | BANK_INSTITUTIONAL | — | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40104
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.