ZIP
41031
KY · County 21097 · pop 16,748 (population)
32.5
Opportunity Index
EARLY_SIGNALNational rank #15841
Why This ZIP
ZIP 41031 ranks #15841 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 32.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 41031 — 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 21097 — ZIP 41031 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21097 — ZIP 41031 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21097 — ZIP 41031 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 | 27.0 |
| Property Stress | 26.0 |
| Listings Discount | 22.1 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.6 |
| Construction Pressure | 37.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#15841
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp32.9
Pulse score32.2
Signal Breakdown — 10 Categories
Vacancy
9.5
Auction / REO
—
Construction Pressure
37.0
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
22.1
Bank Institutional
55.6
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.5%
Bank Score
55.6
Insurance Score
0.0
Listings Discount
22.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 41031 | 32.2 | 25.8 | 0.0 | 22.1 |
| County 21097 | 31.5 | 25.2 | 0.0 | 19.9 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (5)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 41064 | 40.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 28 |
| 40370 | 36.0 | WATCHLIST | LISTINGS_DISCOUNT | 49 | 18 |
| 40361 | 35.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 25 |
| 41010 | 32.6 | EARLY_SIGNAL | VACANCY | — | 22 |
| 41003 | 32.0 | EARLY_SIGNAL | VACANCY | — | 25 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/41031
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.