ZIP
40228
KY · County 21111 · pop 18,491 (population)
33.8
Opportunity Index
EARLY_SIGNALNational rank #12510
Why This ZIP
ZIP 40228 ranks #12510 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40228 — 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 21111 — ZIP 40228 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21111 — ZIP 40228 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21111 — ZIP 40228 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 | 24.8 |
| Property Stress | 22.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 81.2 |
| Bank Institutional | 71.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#12510
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.1
Pulse score36.3
Signal Breakdown — 10 Categories
Vacancy
3.8
Auction / REO
—
Construction Pressure
81.2
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
24.8
Bank Institutional
71.0
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
3.8%
Bank Score
71.0
Insurance Score
0.0
Listings Discount
24.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40228 | 36.3 | 21.3 | 0.0 | 24.8 |
| County 21111 | 34.0 | 21.0 | 0.0 | 25.1 |
| 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 |
|---|---|---|---|---|---|
| 40212 | 39.4 | PEAK_OPPORTUNITY | VACANCY | 37 | 22 |
| 40211 | 37.9 | OVERHEATED | VACANCY | 33 | 22 |
| 40272 | 37.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 22 |
| 40258 | 37.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 37 | 22 |
| 40210 | 36.8 | OVERHEATED | VACANCY | 35 | 22 |
| 40177 | 36.6 | OVERHEATED | VACANCY | — | 21 |
| 40229 | 36.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 21 |
| 40216 | 35.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 22 |
| 40242 | 34.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 40299 | 34.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 22 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40228
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.