ZIP
40108
KY · County 21163 · pop 12,469 (population)
33.9
Opportunity Index
EARLY_SIGNALNational rank #12253
Why This ZIP
ZIP 40108 ranks #12253 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 33.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40108 — 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 40108 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21163 — ZIP 40108 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21163 — ZIP 40108 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 | 25.0 |
| Foreclosure / Delinquency | 25.0 |
| Vacancy | 10.1 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.8 |
| Construction Pressure | 35.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#12253
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp33.2
Pulse score34.3
Signal Breakdown — 10 Categories
Vacancy
10.1
Auction / REO
—
Construction Pressure
35.3
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
58.8
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
10.1%
Bank Score
58.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40108 | 34.3 | 24.8 | 0.0 | — |
| 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 |
| 40104 | 40.1 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 60 | 25 |
| 40171 | 37.8 | OVERHEATED | VACANCY | — | 38 |
| 40155 | 36.9 | OVERHEATED | VACANCY | — | 25 |
| 40176 | 36.5 | OVERHEATED | VACANCY | — | 33 |
| 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/40108
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.