ZIP
40165
KY · County 21029 · pop 38,533 (population)
37.3
Opportunity Index
PEAK_OPPORTUNITYNational rank #5248
Why This ZIP
ZIP 40165 ranks #5248 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40165 — 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 40165 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21029 — ZIP 40165 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21029 — ZIP 40165 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 | 48.5 |
| Property Stress | 19.0 |
| Foreclosure / Delinquency | 12.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 70.8 |
| Bank Institutional | 50.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5248
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp43.1
Pulse score33.4
Signal Breakdown — 10 Categories
Vacancy
7.0
Auction / REO
—
Construction Pressure
70.8
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
48.5
Bank Institutional
50.6
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
131.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
7.0%
Bank Score
50.6
Insurance Score
0.0
Listings Discount
48.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40165 | 33.4 | 16.7 | 0.0 | 48.5 |
| 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 |
| 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 |
| 40109 | 30.0 | WEAK | BANK_INSTITUTIONAL | — | 19 |
| 40013 | 27.5 | WEAK | BANK_INSTITUTIONAL | — | 18 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40165
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.