ZIP
40361
KY · County 21017 · pop 18,422 (population)
35.3
Opportunity Index
EARLY_SIGNALNational rank #8936
Why This ZIP
ZIP 40361 ranks #8936 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40361 — 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 21017 — ZIP 40361 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21017 — ZIP 40361 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21017 — ZIP 40361 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 | 27.1 |
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 69.6 |
| Bank Institutional | 58.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8936
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp34.2
Pulse score36.0
Signal Breakdown — 10 Categories
Vacancy
10.9
Auction / REO
—
Construction Pressure
69.6
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
27.1
Bank Institutional
58.1
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
106.6
Price Cut %
12.2%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
10.9%
Bank Score
58.1
Insurance Score
0.0
Listings Discount
27.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40361 | 36.0 | 24.1 | 0.0 | 27.1 |
| County 21017 | 35.3 | 23.1 | 0.0 | 28.1 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40311 | 42.4 | STRONG_BUY | VACANCY | 46 | 28 |
| 40374 | 40.0 | OVERHEATED | BANK_INSTITUTIONAL | 30 | 33 |
| 40353 | 35.2 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 21 |
| 40324 | 35.0 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 16 |
| 40357 | 34.7 | EARLY_SIGNAL | VACANCY | — | 26 |
| 40511 | 34.6 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 19 |
| 40348 | 34.4 | EARLY_SIGNAL | VACANCY | — | 26 |
| 41031 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 22 | 26 |
| 40516 | 28.6 | WEAK | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40361
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.