ZIP
40391
KY · County 21049 · pop 36,729 (population)
35.3
Opportunity Index
EARLY_SIGNALNational rank #8936
Why This ZIP
ZIP 40391 ranks #8936 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40391 — 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 21049 — ZIP 40391 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21049 — ZIP 40391 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21049 — ZIP 40391 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 | 34.4 |
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.2 |
| Construction Pressure | 49.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8936
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp37.8
Pulse score33.6
Signal Breakdown — 10 Categories
Vacancy
8.1
Auction / REO
—
Construction Pressure
49.3
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
34.4
Bank Institutional
55.2
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
105.5
Price Cut %
9.6%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
8.1%
Bank Score
55.2
Insurance Score
0.0
Listings Discount
34.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40391 | 33.6 | 22.6 | 0.0 | 34.4 |
| County 21049 | 32.7 | 21.7 | 0.0 | 34.8 |
| 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 |
|---|---|---|---|---|---|
| 40353 | 35.2 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 21 |
| 40509 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 20 |
| 40515 | 32.4 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 38 | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40391
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.