ZIP
40409
KY · County 21203 · pop 3,638 (population)
37.1
Opportunity Index
OVERHEATEDNational rank #5584
Why This ZIP
ZIP 40409 ranks #5584 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40409 — 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 21203 — ZIP 40409 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21203 — ZIP 40409 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21203 — ZIP 40409 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
| Foreclosure / Delinquency | 33.0 |
| Listings Discount | 32.9 |
| Property Stress | 28.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.0 |
| Construction Pressure | 35.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5584
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp35.0
Pulse score38.5
Signal Breakdown — 10 Categories
Vacancy
11.2
Auction / REO
—
Construction Pressure
35.7
FL Deep Bonus
—
Property Stress
28.0
HOA / Federal Liens
—
Listings Discount
32.9
Bank Institutional
69.0
Insurance Distress
0.0
Foreclosure / Delinquency
33.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
11.2%
Bank Score
69.0
Insurance Score
0.0
Listings Discount
32.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40409 | 38.5 | 29.9 | 0.0 | 32.9 |
| County 21203 | 35.8 | 28.6 | 0.0 | 31.4 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40447 | 43.6 | STRONG_BUY | VACANCY | 43 | 30 |
| 40445 | 42.5 | STRONG_BUY | VACANCY | 58 | 29 |
| 40403 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 23 |
| 40456 | 36.6 | OVERHEATED | VACANCY | 33 | 29 |
| 40419 | 35.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 24 |
| 40460 | 33.0 | EARLY_SIGNAL | VACANCY | — | 29 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40409
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.