ZIP
40823
KY · County 21095 · pop 3,907 (population)
39.5
Opportunity Index
PEAK_OPPORTUNITYNational rank #2653
Why This ZIP
ZIP 40823 ranks #2653 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 40.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40823 — 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 21095 — ZIP 40823 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21095 — ZIP 40823 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21095 — ZIP 40823 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 | 44.0 |
| Foreclosure / Delinquency | 35.0 |
| Property Stress | 31.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 66.5 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2653
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp40.5
Pulse score38.9
Signal Breakdown — 10 Categories
Vacancy
15.9
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
31.0
HOA / Federal Liens
—
Listings Discount
44.0
Bank Institutional
66.5
Insurance Distress
0.0
Foreclosure / Delinquency
35.0
Top-Line Metrics
Avg DOM (days)
102.3
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
15.9%
Bank Score
66.5
Insurance Score
0.0
Listings Discount
44.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40823 | 38.9 | 31.5 | 0.0 | 44.0 |
| County 21095 | 34.2 | 30.9 | 0.0 | 16.0 |
| 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 |
|---|---|---|---|---|---|
| 40855 | 41.9 | STRONG_BUY | VACANCY | 59 | 31 |
| 40831 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 42 | 31 |
| 40828 | 36.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 31 |
| 40815 | 34.2 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40927 | 34.2 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40863 | 34.2 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40824 | 34.2 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40873 | 34.0 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40854 | 33.7 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40806 | 33.6 | EARLY_SIGNAL | VACANCY | — | 31 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40823
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.