ZIP
40324
KY · County 21209 · pop 52,173 (population)
34.9
Opportunity Index
WATCHLISTNational rank #9822
Why This ZIP
ZIP 40324 ranks #9822 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40324 — 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 21209 — ZIP 40324 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21209 — ZIP 40324 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21209 — ZIP 40324 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 | 42.3 |
| Property Stress | 16.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 75.4 |
| Bank Institutional | 53.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9822
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp40.2
Pulse score31.3
Signal Breakdown — 10 Categories
Vacancy
5.1
Auction / REO
—
Construction Pressure
75.4
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
42.3
Bank Institutional
53.0
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
19.3
Price Cut %
—%
Short-Sale Listings
32
Auction Events 90d
—
Vacancy %
5.1%
Bank Score
53.0
Insurance Score
0.0
Listings Discount
42.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40324 | 31.3 | 11.9 | 0.0 | 42.3 |
| County 21209 | 30.6 | 12.2 | 0.0 | 40.6 |
| KY state avg | 33.8 | 22.0 | 0.0 | 29.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (5)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40370 | 35.9 | WATCHLIST | LISTINGS_DISCOUNT | 49 | 18 |
| 40511 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 18 |
| 41010 | 32.1 | EARLY_SIGNAL | VACANCY | — | 21 |
| 40347 | 29.7 | WEAK | VACANCY | — | 22 |
| 40379 | 27.0 | WEAK | VACANCY | 16 | 16 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/40324
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.