ZIP
40481
KY · County 21109 · pop 173 (population)
28.5
Opportunity Index
WEAKNational rank #26100
Why This ZIP
ZIP 40481 ranks #26100 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 39.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40481 — 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 40481 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21109 — ZIP 40481 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21109 — ZIP 40481 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 |
| Vacancy | 25.2 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 20.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#26100
PhaseWEAK
Primary driverVACANCY
Capital opp39.6
Pulse score21.1
Signal Breakdown — 10 Categories
Vacancy
25.2
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
20.0
Insurance Distress
0.0
Foreclosure / Delinquency
33.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
25.2%
Bank Score
20.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40481 | 21.1 | 19.8 | 0.0 | — |
| County 21109 | 38.0 | 30.4 | 0.0 | 36.1 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (5)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40336 | 45.8 | STRONG_BUY | BANK_INSTITUTIONAL | 55 | 28 |
| 40447 | 43.6 | STRONG_BUY | VACANCY | 43 | 30 |
| 40486 | 38.9 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 55 | 31 |
| 40402 | 32.9 | EARLY_SIGNAL | VACANCY | — | 30 |
| 40434 | 24.5 | WEAK | BANK_INSTITUTIONAL | — | 18 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40481
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.