ZIP
41004
KY · County 21023 · pop 4,105 (population)
35.2
Opportunity Index
WATCHLISTNational rank #9184
Why This ZIP
ZIP 41004 ranks #9184 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 41004 — 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 21023 — ZIP 41004 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21023 — ZIP 41004 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21023 — ZIP 41004 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 | 37.6 |
| Foreclosure / Delinquency | 26.0 |
| Property Stress | 25.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 66.4 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9184
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp36.7
Pulse score34.2
Signal Breakdown — 10 Categories
Vacancy
11.6
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
37.6
Bank Institutional
66.4
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
11.6%
Bank Score
66.4
Insurance Score
0.0
Listings Discount
37.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 41004 | 34.2 | 25.3 | 0.0 | 37.6 |
| County 21023 | 31.5 | 25.0 | 0.0 | 19.1 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 41064 | 40.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 28 |
| 41044 | 34.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 41002 | 32.8 | EARLY_SIGNAL | VACANCY | — | 25 |
| 41040 | 32.8 | EARLY_SIGNAL | VACANCY | 27 | 24 |
| 41043 | 31.5 | EARLY_SIGNAL | VACANCY | — | 24 |
| 41034 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 21 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/41004
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.