ZIP
40486
KY · County 21109 · pop 2,774 (population)
38.2
Opportunity Index
PEAK_OPPORTUNITYNational rank #3983
Why This ZIP
ZIP 40486 ranks #3983 nationally with phase PEAK_OPPORTUNITY. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 51.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40486 — 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 40486 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21109 — ZIP 40486 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21109 — ZIP 40486 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 | 54.5 |
| Foreclosure / Delinquency | 30.0 |
| Property Stress | 29.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3983
PhasePEAK_OPPORTUNITY
Primary driverLISTINGS_DISCOUNT
Capital opp51.8
Pulse score29.1
Signal Breakdown — 10 Categories
Vacancy
10.4
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
54.5
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
108.5
Price Cut %
23.5%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
10.4%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
54.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40486 | 29.1 | 28.6 | 0.0 | 54.5 |
| 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 |
| 40402 | 32.1 | EARLY_SIGNAL | VACANCY | — | 28 |
| 40481 | 27.7 | WEAK | VACANCY | — | 16 |
| 40434 | 23.7 | WEAK | BANK_INSTITUTIONAL | — | 16 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/40486
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.