ZIP
40322
KY · County 21165 · pop 3,207 (population)
44.1
Opportunity Index
STRONG_BUYNational rank #396
Why This ZIP
ZIP 40322 ranks #396 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 40.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40322 — 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 21165 — ZIP 40322 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21165 — ZIP 40322 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21165 — ZIP 40322 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 |
| Foreclosure / Delinquency | 38.0 |
| Property Stress | 30.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 76.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#396
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp40.1
Pulse score46.7
Signal Breakdown — 10 Categories
Vacancy
20.6
Auction / REO
—
Construction Pressure
—
FL Deep Bonus
—
Property Stress
30.0
HOA / Federal Liens
—
Listings Discount
48.5
Bank Institutional
76.8
Insurance Distress
0.0
Foreclosure / Delinquency
38.0
Top-Line Metrics
Avg DOM (days)
106.2
Price Cut %
20.0%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
20.6%
Bank Score
76.8
Insurance Score
0.0
Listings Discount
48.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40322 | 46.7 | 31.9 | 0.0 | 48.5 |
| County 21165 | 42.6 | 31.4 | 0.0 | 42.5 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (4)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40371 | 46.8 | STRONG_BUY | VACANCY | 57 | 34 |
| 40387 | 44.8 | STRONG_BUY | VACANCY | 53 | 29 |
| 40316 | 36.1 | EARLY_SIGNAL | VACANCY | — | 30 |
| 40346 | 32.6 | EARLY_SIGNAL | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40322
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.