ZIP
40146
KY · County 21027 · pop 3,297 (population)
41.6
Opportunity Index
OVERHEATEDNational rank #1164
Why This ZIP
ZIP 40146 ranks #1164 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 36.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40146 — 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 21027 — ZIP 40146 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21027 — ZIP 40146 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21027 — ZIP 40146 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 | 54.0 |
| Property Stress | 39.0 |
| Vacancy | 19.6 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.8 |
| Construction Pressure | 36.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#1164
PhaseOVERHEATED
Primary driverVACANCY
Capital opp36.0
Pulse score45.3
Signal Breakdown — 10 Categories
Vacancy
19.6
Auction / REO
—
Construction Pressure
36.6
FL Deep Bonus
—
Property Stress
39.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
58.8
Insurance Distress
0.0
Foreclosure / Delinquency
54.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
19.6%
Bank Score
58.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40146 | 45.3 | 42.9 | 0.0 | — |
| County 21027 | 40.4 | 39.9 | 0.0 | 19.3 |
| 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 |
|---|---|---|---|---|---|
| 42343 | 47.4 | STRONG_BUY | VACANCY | 64 | 27 |
| 40152 | 42.6 | OVERHEATED | VACANCY | — | 40 |
| 40143 | 41.5 | OVERHEATED | VACANCY | 30 | 40 |
| 40175 | 41.2 | STRONG_BUY | VACANCY | 51 | 28 |
| 40111 | 40.5 | OVERHEATED | VACANCY | 28 | 40 |
| 42754 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 45 | 32 |
| 40115 | 39.6 | OVERHEATED | VACANCY | — | 40 |
| 40145 | 39.6 | OVERHEATED | VACANCY | — | 40 |
| 40140 | 39.6 | OVERHEATED | VACANCY | — | 39 |
| 40144 | 38.9 | OVERHEATED | VACANCY | — | 40 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40146
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.