ZIP
40940
KY · County 21013 · pop 388 (population)
29.3
Opportunity Index
WEAKNational rank #24194
Why This ZIP
ZIP 40940 ranks #24194 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 35.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40940 — 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 40940 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21013 — ZIP 40940 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21013 — ZIP 40940 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
| Vacancy | 55.1 |
| Foreclosure / Delinquency | 26.0 |
| Listings Discount | 22.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 39.6 |
| Bank Institutional | 31.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#24194
PhaseWEAK
Primary driverVACANCY
Capital opp35.3
Pulse score25.3
Signal Breakdown — 10 Categories
Vacancy
55.1
Auction / REO
—
Construction Pressure
39.6
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
22.0
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
8.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
55.1%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
22.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40940 | 25.3 | 15.6 | 0.0 | 22.0 |
| 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 |
| 40856 | 32.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 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 |
| 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/40940
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.