ZIP
40434
KY · County 21109 · pop 109 (population)
23.7
Opportunity Index
WEAKNational rank #32781
Why This ZIP
ZIP 40434 ranks #32781 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40434 — 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 21109 — ZIP 40434 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21109 — ZIP 40434 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21109 — ZIP 40434 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 | 29.0 |
| Property Stress | 16.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 20.0 |
⚠ Missing Data
VacancyAuction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings Discount
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#32781
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp39.2
Pulse score13.3
Signal Breakdown — 10 Categories
Vacancy
0.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
20.0
Insurance Distress
0.0
Foreclosure / Delinquency
29.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
0.0%
Bank Score
20.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40434 | 13.3 | 17.4 | 0.0 | — |
| County 21109 | 37.1 | 27.9 | 0.0 | 36.0 |
| 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 |
|---|---|---|---|---|---|
| 40336 | 45.1 | STRONG_BUY | BANK_INSTITUTIONAL | 55 | 26 |
| 40447 | 42.8 | STRONG_BUY | VACANCY | 43 | 28 |
| 40486 | 38.2 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 55 | 29 |
| 40402 | 32.1 | EARLY_SIGNAL | VACANCY | — | 28 |
| 40481 | 27.7 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/40434
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.