ZIP
40962
KY · County 21051 · pop 17,390 (population)
46.9
Opportunity Index
STRONG_BUYNational rank #126
Why This ZIP
ZIP 40962 ranks #126 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 44.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 40962 — 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 21051 — ZIP 40962 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21051 — ZIP 40962 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21051 — ZIP 40962 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 | 53.7 |
| Foreclosure / Delinquency | 37.0 |
| Property Stress | 31.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 68.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#126
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp44.1
Pulse score48.8
Signal Breakdown — 10 Categories
Vacancy
15.4
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
31.0
HOA / Federal Liens
—
Listings Discount
53.7
Bank Institutional
68.5
Insurance Distress
0.0
Foreclosure / Delinquency
37.0
Top-Line Metrics
Avg DOM (days)
106.5
Price Cut %
12.3%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
15.4%
Bank Score
68.5
Insurance Score
0.0
Listings Discount
53.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40962 | 48.8 | 32.7 | 0.0 | 53.7 |
| County 21051 | 46.2 | 32.1 | 0.0 | 47.1 |
| KY state avg | 33.9 | 22.0 | 0.0 | 29.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40744 | 43.0 | STRONG_BUY | BANK_INSTITUTIONAL | 51 | 25 |
| 40741 | 42.3 | STRONG_BUY | VACANCY | 48 | 25 |
| 40486 | 38.2 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 55 | 29 |
| 40972 | 34.4 | EARLY_SIGNAL | VACANCY | — | 31 |
| 40913 | 34.1 | EARLY_SIGNAL | VACANCY | — | 26 |
| 40914 | 33.6 | EARLY_SIGNAL | VACANCY | — | 29 |
| 40983 | 30.6 | WEAK | VACANCY | — | 20 |
| 40941 | 26.1 | WEAK | BANK_INSTITUTIONAL | — | 19 |
| 40874 | 25.1 | WEAK | BANK_INSTITUTIONAL | 25 | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/40962
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.