ZIP
40997
KY · County 21121 · pop 361 (population)
31.0
Opportunity Index
EARLY_SIGNALNational rank #19964
Why This ZIP
ZIP 40997 ranks #19964 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 37.4, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 40997 — 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 21121 — ZIP 40997 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21121 — ZIP 40997 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21121 — ZIP 40997 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 | 41.0 |
| Vacancy | 32.4 |
| Property Stress | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 34.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19964
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp37.4
Pulse score26.7
Signal Breakdown — 10 Categories
Vacancy
32.4
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
34.0
Insurance Distress
0.0
Foreclosure / Delinquency
41.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
32.4%
Bank Score
34.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 40997 | 26.7 | 24.6 | 0.0 | — |
| County 21121 | 36.1 | 31.4 | 0.0 | 25.0 |
| 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 |
|---|---|---|---|---|---|
| 40734 | 44.4 | STRONG_BUY | VACANCY | 49 | 31 |
| 40935 | 43.4 | STRONG_BUY | VACANCY | 63 | 32 |
| 40906 | 37.5 | OVERHEATED | VACANCY | 23 | 32 |
| 40701 | 36.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 25 |
| 40949 | 34.9 | EARLY_SIGNAL | VACANCY | — | 32 |
| 40982 | 34.9 | EARLY_SIGNAL | VACANCY | — | 32 |
| 40903 | 34.7 | EARLY_SIGNAL | VACANCY | — | 32 |
| 40759 | 33.5 | EARLY_SIGNAL | VACANCY | — | 25 |
| 40915 | 33.0 | EARLY_SIGNAL | VACANCY | — | 32 |
| 40923 | 32.2 | EARLY_SIGNAL | FORECLOSURE_DELINQUENCY | — | 32 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/40997
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.