ZIP
40856
KY · County 21013 · pop 827 (population)
32.1
Opportunity Index
EARLY_SIGNALNational rank #16945
Why This ZIP
ZIP 40856 ranks #16945 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 39.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40856 — 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 21013 — ZIP 40856 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21013 — ZIP 40856 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21013 — ZIP 40856 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
| Property Stress | 24.0 |
| Foreclosure / Delinquency | 24.0 |
| Vacancy | 14.7 |
▼ Top 3 Risk Signals
| Construction Pressure | 34.6 |
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#16945
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp39.0
Pulse score27.5
Signal Breakdown — 10 Categories
Vacancy
14.7
Auction / REO
—
Construction Pressure
34.6
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
24.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
14.7%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40856 | 27.5 | 24.2 | 0.0 | — |
| County 21013 | 34.9 | 23.4 | 0.0 | 35.3 |
| 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 |
|---|---|---|---|---|---|
| 40977 | 40.6 | PEAK_OPPORTUNITY | VACANCY | 51 | 24 |
| 40965 | 36.3 | EARLY_SIGNAL | VACANCY | 35 | 24 |
| 40913 | 34.1 | EARLY_SIGNAL | VACANCY | — | 26 |
| 40813 | 31.9 | EARLY_SIGNAL | VACANCY | — | 24 |
| 40958 | 31.7 | EARLY_SIGNAL | VACANCY | — | 24 |
| 40845 | 29.9 | WEAK | BANK_INSTITUTIONAL | — | 24 |
| 40939 | 29.5 | WEAK | VACANCY | — | 13 |
| 40940 | 29.3 | WEAK | VACANCY | 22 | 14 |
| 40902 | 28.6 | WEAK | VACANCY | 22 | 13 |
| 40988 | 28.0 | WEAK | VACANCY | — | 13 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40856
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.