ZIP
40385
KY · County 21151 · pop 2,378 (population)
37.4
Opportunity Index
OVERHEATEDNational rank #5109
Why This ZIP
ZIP 40385 ranks #5109 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 30.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40385 — 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 21151 — ZIP 40385 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21151 — ZIP 40385 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21151 — ZIP 40385 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
| Vacancy | 26.8 |
| Property Stress | 22.0 |
| Foreclosure / Delinquency | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.1 |
| Construction Pressure | 68.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#5109
PhaseOVERHEATED
Primary driverVACANCY
Capital opp30.6
Pulse score42.0
Signal Breakdown — 10 Categories
Vacancy
26.8
Auction / REO
—
Construction Pressure
68.8
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
69.1
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
26.8%
Bank Score
69.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40385 | 42.0 | 21.8 | 0.0 | — |
| County 21151 | 35.8 | 21.9 | 0.0 | 38.9 |
| 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 |
|---|---|---|---|---|---|
| 40403 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 23 |
| 40475 | 37.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 22 |
| 40461 | 32.5 | EARLY_SIGNAL | VACANCY | — | 23 |
| 40404 | 27.8 | WEAK | BANK_INSTITUTIONAL | — | 12 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40385
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.