ZIP
41039
KY · County 21069 · pop 3,122 (population)
37.6
Opportunity Index
OVERHEATEDNational rank #4834
Why This ZIP
ZIP 41039 ranks #4834 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 32.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 41039 — 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 21069 — ZIP 41039 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21069 — ZIP 41039 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21069 — ZIP 41039 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
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 25.0 |
| Vacancy | 9.6 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 62.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#4834
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp32.5
Pulse score41.0
Signal Breakdown — 10 Categories
Vacancy
9.6
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
62.6
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
9.6%
Bank Score
62.6
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 41039 | 41.0 | 23.9 | 0.0 | — |
| County 21069 | 41.4 | 23.7 | 0.0 | 26.7 |
| 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 |
|---|---|---|---|---|---|
| 41049 | 43.6 | STRONG_BUY | VACANCY | 47 | 24 |
| 41055 | 40.6 | PEAK_OPPORTUNITY | VACANCY | 44 | 22 |
| 41041 | 39.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 37 | 24 |
| 41093 | 37.5 | OVERHEATED | VACANCY | — | 25 |
| 40351 | 36.4 | WATCHLIST | VACANCY | 37 | 22 |
| 41056 | 33.8 | EARLY_SIGNAL | VACANCY | 25 | 21 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/41039
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.