ZIP
40862
KY · County 21133 · pop 539 (population)
32.5
Opportunity Index
EARLY_SIGNALNational rank #15841
Why This ZIP
ZIP 40862 ranks #15841 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 41.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40862 — 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 21133 — ZIP 40862 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21133 — ZIP 40862 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21133 — ZIP 40862 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 | 34.0 |
| Property Stress | 31.0 |
| Vacancy | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 26.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#15841
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp41.0
Pulse score26.9
Signal Breakdown — 10 Categories
Vacancy
15.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
31.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
26.0
Insurance Distress
0.0
Foreclosure / Delinquency
34.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
15.0%
Bank Score
26.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40862 | 26.9 | 31.3 | 0.0 | — |
| County 21133 | 32.0 | 28.2 | 0.0 | 23.8 |
| 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 |
|---|---|---|---|---|---|
| 41858 | 42.9 | STRONG_BUY | VACANCY | 62 | 31 |
| 41537 | 41.0 | OVERHEATED | VACANCY | — | 29 |
| 40823 | 39.5 | PEAK_OPPORTUNITY | VACANCY | 44 | 31 |
| 41840 | 36.2 | EARLY_SIGNAL | VACANCY | — | 31 |
| 41731 | 34.0 | EARLY_SIGNAL | VACANCY | — | 31 |
| 41835 | 33.5 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40826 | 33.5 | EARLY_SIGNAL | VACANCY | — | 31 |
| 41855 | 33.5 | EARLY_SIGNAL | VACANCY | — | 31 |
| 41825 | 33.5 | EARLY_SIGNAL | VACANCY | — | 31 |
| 41815 | 33.5 | EARLY_SIGNAL | VACANCY | — | 31 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/40862
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.