ZIP
40121
KY · County 21093 · pop 8,715 (population)
30.8
Opportunity Index
WEAKNational rank #20485
Why This ZIP
ZIP 40121 ranks #20485 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40121 — 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 21093 — ZIP 40121 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21093 — ZIP 40121 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21093 — ZIP 40121 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
| Foreclosure / Delinquency | 22.0 |
| Property Stress | 14.0 |
| Vacancy | 10.8 |
▼ Top 3 Risk Signals
| Bank Institutional | 62.3 |
| Construction Pressure | 47.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#20485
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp30.3
Pulse score31.1
Signal Breakdown — 10 Categories
Vacancy
10.8
Auction / REO
—
Construction Pressure
47.3
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
62.3
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
10.8%
Bank Score
62.3
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40121 | 31.1 | 13.2 | 0.0 | — |
| County 21093 | 32.8 | 21.7 | 0.0 | 21.8 |
| 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 |
|---|---|---|---|---|---|
| 40175 | 41.2 | STRONG_BUY | VACANCY | 51 | 28 |
| 42712 | 40.7 | PEAK_OPPORTUNITY | VACANCY | 45 | 26 |
| 40140 | 39.6 | OVERHEATED | VACANCY | — | 39 |
| 40177 | 37.1 | OVERHEATED | VACANCY | — | 22 |
| 40051 | 36.8 | PEAK_OPPORTUNITY | VACANCY | 37 | 22 |
| 40160 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 39 | 25 |
| 42784 | 36.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 29 |
| 42740 | 35.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 25 |
| 42748 | 35.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 26 | 33 |
| 42776 | 34.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 27 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40121
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.