ZIP
41040
KY · County 21191 · pop 6,998 (population)
32.2
Opportunity Index
EARLY_SIGNALNational rank #16659
Why This ZIP
ZIP 41040 ranks #16659 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 32.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 41040 — 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 21191 — ZIP 41040 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21191 — ZIP 41040 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21191 — ZIP 41040 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 | 27.1 |
| Property Stress | 22.0 |
| Foreclosure / Delinquency | 22.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 63.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16659
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp32.6
Pulse score31.9
Signal Breakdown — 10 Categories
Vacancy
15.9
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
27.1
Bank Institutional
63.0
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
15.9%
Bank Score
63.0
Insurance Score
0.0
Listings Discount
27.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 41040 | 31.9 | 22.3 | 0.0 | 27.1 |
| County 21191 | 32.9 | 21.1 | 0.0 | 30.3 |
| 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 |
|---|---|---|---|---|---|
| 41033 | 40.5 | PEAK_OPPORTUNITY | VACANCY | 59 | 22 |
| 41006 | 35.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 30 | 21 |
| 41004 | 34.8 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 24 |
| 41007 | 34.3 | WATCHLIST | LISTINGS_DISCOUNT | 48 | 16 |
| 41097 | 31.5 | EARLY_SIGNAL | VACANCY | 25 | 17 |
| 41003 | 31.3 | EARLY_SIGNAL | VACANCY | — | 23 |
| 41043 | 31.2 | EARLY_SIGNAL | VACANCY | — | 23 |
| 41030 | 30.5 | WEAK | BANK_INSTITUTIONAL | 24 | 17 |
| 41035 | 29.1 | WEAK | BANK_INSTITUTIONAL | 24 | 16 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/41040
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.