ZIP
40816
KY · County 21131 · pop 0 (equal)
26.2
Opportunity Index
WEAKNational rank #30280
Why This ZIP
ZIP 40816 ranks #30280 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.0, signal coverage 4/10 (50% data coverage, MEDIUM confidence).
ZIP 40816 — 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 21131 — ZIP 40816 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21131 — ZIP 40816 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21131 — ZIP 40816 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 | 25.0 |
| Property Stress | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 35.0 |
⚠ Missing Data
VacancyAuction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings Discount
Coverage: 50%
Confidence: MEDIUM
⇅ Rank
National rank#30280
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp36.0
Pulse score19.7
Signal Breakdown — 10 Categories
Vacancy
—
Auction / REO
—
Construction Pressure
—
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
35.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
—%
Bank Score
35.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40816 | 19.7 | 15.0 | 0.0 | — |
| County 21131 | 31.6 | 22.0 | 0.0 | 19.8 |
| KY state avg | 33.9 | 22.0 | 0.0 | 29.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 41749 | 42.3 | STRONG_BUY | VACANCY | 50 | 25 |
| 40868 | 41.3 | STRONG_BUY | LISTINGS_DISCOUNT | 65 | 25 |
| 40972 | 34.4 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40844 | 33.7 | EARLY_SIGNAL | VACANCY | — | 15 |
| 41776 | 33.7 | EARLY_SIGNAL | VACANCY | — | 15 |
| 40914 | 33.6 | EARLY_SIGNAL | VACANCY | — | 29 |
| 41723 | 33.2 | EARLY_SIGNAL | VACANCY | — | 29 |
| 40810 | 33.0 | EARLY_SIGNAL | VACANCY | — | 29 |
| 41764 | 32.8 | EARLY_SIGNAL | VACANCY | — | 25 |
| 41777 | 31.2 | EARLY_SIGNAL | VACANCY | — | 25 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40816
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.