ZIP
40109
KY · County 21029 · pop 2,363 (population)
30.0
Opportunity Index
WEAKNational rank #22498
Why This ZIP
ZIP 40109 ranks #22498 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40109 — 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 21029 — ZIP 40109 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21029 — ZIP 40109 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21029 — ZIP 40109 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 | 19.0 |
| Foreclosure / Delinquency | 12.0 |
| Vacancy | 4.8 |
▼ Top 3 Risk Signals
| Construction Pressure | 72.3 |
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#22498
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp38.0
Pulse score24.7
Signal Breakdown — 10 Categories
Vacancy
4.8
Auction / REO
—
Construction Pressure
72.3
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
4.8%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40109 | 24.7 | 16.8 | 0.0 | — |
| County 21029 | 32.5 | 17.3 | 0.0 | 36.5 |
| 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 |
|---|---|---|---|---|---|
| 40272 | 37.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 22 |
| 40165 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 19 |
| 40177 | 36.6 | OVERHEATED | VACANCY | — | 21 |
| 40229 | 36.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 21 |
| 40299 | 34.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 22 |
| 40150 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 40110 | 31.9 | EARLY_SIGNAL | VACANCY | — | 19 |
| 40047 | 31.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 19 |
| 40071 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 29 | 19 |
| 40013 | 27.5 | WEAK | BANK_INSTITUTIONAL | — | 18 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40109
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.