ZIP
40509
KY · County 21067 · pop 45,135 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14532
Why This ZIP
ZIP 40509 ranks #14532 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40509 — 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 21067 — ZIP 40509 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21067 — ZIP 40509 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21067 — ZIP 40509 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 | 34.9 |
| Property Stress | 20.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 54.2 |
| Construction Pressure | 48.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14532
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp37.3
Pulse score30.2
Signal Breakdown — 10 Categories
Vacancy
5.2
Auction / REO
—
Construction Pressure
48.1
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
34.9
Bank Institutional
54.2
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
154.8
Price Cut %
3.3%
Short-Sale Listings
11
Auction Events 90d
—
Vacancy %
5.2%
Bank Score
54.2
Insurance Score
0.0
Listings Discount
34.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40509 | 30.2 | 16.4 | 0.0 | 34.9 |
| County 21067 | 29.1 | 15.8 | 0.0 | 33.0 |
| 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 |
|---|---|---|---|---|---|
| 40505 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 19 |
| 40391 | 35.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 25 |
| 40361 | 35.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 25 |
| 40324 | 35.0 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 16 |
| 40511 | 34.6 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 19 |
| 40513 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 19 |
| 40503 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 19 |
| 40514 | 33.4 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 46 | 19 |
| 40515 | 32.4 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 38 | 20 |
| 40526 | 31.3 | EARLY_SIGNAL | VACANCY | — | 9 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40509
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.