ZIP
40312
KY · County 21197 · pop 6,156 (population)
47.7
Opportunity Index
STRONG_BUYNational rank #100
Why This ZIP
ZIP 40312 ranks #100 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 38.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40312 — 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 21197 — ZIP 40312 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21197 — ZIP 40312 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21197 — ZIP 40312 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 | 58.0 |
| Property Stress | 43.0 |
| Listings Discount | 37.2 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 75.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#100
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp38.5
Pulse score53.9
Signal Breakdown — 10 Categories
Vacancy
17.1
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
43.0
HOA / Federal Liens
—
Listings Discount
37.2
Bank Institutional
75.1
Insurance Distress
0.0
Foreclosure / Delinquency
58.0
Top-Line Metrics
Avg DOM (days)
92.7
Price Cut %
20.7%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
17.1%
Bank Score
75.1
Insurance Score
0.0
Listings Discount
37.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40312 | 53.9 | 46.8 | 0.0 | 37.2 |
| County 21197 | 53.1 | 46.1 | 0.0 | 38.3 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (3)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40380 | 47.5 | STRONG_BUY | VACANCY | 40 | 42 |
| 40376 | 40.0 | OVERHEATED | VACANCY | — | 29 |
| 41360 | 36.2 | EARLY_SIGNAL | VACANCY | — | 27 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40312
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.