ZIP
40515
KY · County 21067 · pop 36,787 (population)
31.6
Opportunity Index
EARLY_SIGNALNational rank #18251
Why This ZIP
ZIP 40515 ranks #18251 nationally with phase EARLY_SIGNAL. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 42.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40515 — 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 40515 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21067 — ZIP 40515 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21067 — ZIP 40515 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 | 36.7 |
| Property Stress | 19.0 |
| Foreclosure / Delinquency | 11.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 48.2 |
| Bank Institutional | 30.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#18251
PhaseEARLY_SIGNAL
Primary driverLISTINGS_DISCOUNT
Capital opp42.6
Pulse score24.3
Signal Breakdown — 10 Categories
Vacancy
4.9
Auction / REO
—
Construction Pressure
48.2
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
36.7
Bank Institutional
30.0
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
77.0
Price Cut %
—%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
4.9%
Bank Score
30.0
Insurance Score
0.0
Listings Discount
36.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40515 | 24.3 | 15.2 | 0.0 | 36.7 |
| County 21067 | 28.5 | 14.5 | 0.0 | 32.4 |
| KY state avg | 33.8 | 22.0 | 0.0 | 29.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40505 | 35.2 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 18 |
| 40361 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 24 |
| 40324 | 34.9 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 16 |
| 40391 | 34.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 23 |
| 40511 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 18 |
| 40513 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 18 |
| 40503 | 33.5 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 18 |
| 40514 | 32.9 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 46 | 18 |
| 40509 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 18 |
| 40526 | 30.9 | EARLY_SIGNAL | VACANCY | — | 8 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/40515
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.