ZIP
40489
KY · County 21137 · pop 4,238 (population)
39.7
Opportunity Index
PEAK_OPPORTUNITYNational rank #2478
Why This ZIP
ZIP 40489 ranks #2478 nationally with phase PEAK_OPPORTUNITY. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 51.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40489 — 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 21137 — ZIP 40489 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21137 — ZIP 40489 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21137 — ZIP 40489 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 | 59.9 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 23.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 50.5 |
| Bank Institutional | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2478
PhasePEAK_OPPORTUNITY
Primary driverLISTINGS_DISCOUNT
Capital opp51.9
Pulse score31.6
Signal Breakdown — 10 Categories
Vacancy
7.3
Auction / REO
—
Construction Pressure
50.5
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
59.9
Bank Institutional
33.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
8.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
7.3%
Bank Score
33.0
Insurance Score
0.0
Listings Discount
59.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40489 | 31.6 | 23.5 | 0.0 | 59.9 |
| County 21137 | 34.1 | 23.4 | 0.0 | 23.8 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40444 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 45 | 24 |
| 40409 | 37.1 | OVERHEATED | BANK_INSTITUTIONAL | 33 | 28 |
| 42567 | 36.4 | EARLY_SIGNAL | VACANCY | — | 29 |
| 40419 | 35.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 24 |
| 40437 | 34.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 25 |
| 40484 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 23 | 23 |
| 40422 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 16 |
| 40440 | 32.6 | EARLY_SIGNAL | VACANCY | — | 16 |
| 40442 | 30.6 | WEAK | VACANCY | — | 14 |
| 40448 | 27.3 | WEAK | BANK_INSTITUTIONAL | — | 13 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40489
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.