ZIP
41861
KY · County 21119 · pop 288 (population)
34.9
Opportunity Index
EARLY_SIGNALNational rank #9822
Why This ZIP
ZIP 41861 ranks #9822 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.8, signal coverage 5/10 (63% data coverage, MEDIUM confidence).
ZIP 41861 — 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 21119 — ZIP 41861 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21119 — ZIP 41861 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21119 — ZIP 41861 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 | 31.0 |
| Property Stress | 28.0 |
| Vacancy | 20.9 |
▼ Top 3 Risk Signals
| Bank Institutional | 34.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 63%
Confidence: MEDIUM
⇅ Rank
National rank#9822
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.8
Pulse score32.3
Signal Breakdown — 10 Categories
Vacancy
20.9
Auction / REO
—
Construction Pressure
—
FL Deep Bonus
—
Property Stress
28.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
34.0
Insurance Distress
0.0
Foreclosure / Delinquency
31.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
20.9%
Bank Score
34.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 41861 | 32.3 | 28.4 | 0.0 | — |
| County 21119 | 31.6 | 26.4 | 0.0 | 16.0 |
| KY state avg | 33.8 | 22.0 | 0.0 | 29.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 41339 | 43.0 | STRONG_BUY | VACANCY | 60 | 30 |
| 41701 | 41.8 | STRONG_BUY | VACANCY | 57 | 30 |
| 41817 | 34.9 | EARLY_SIGNAL | VACANCY | — | 28 |
| 41862 | 34.9 | EARLY_SIGNAL | VACANCY | — | 28 |
| 41836 | 34.9 | EARLY_SIGNAL | VACANCY | — | 28 |
| 41831 | 34.9 | EARLY_SIGNAL | VACANCY | — | 28 |
| 41822 | 34.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 26 | 28 |
| 41844 | 34.5 | EARLY_SIGNAL | VACANCY | — | 28 |
| 41640 | 32.7 | EARLY_SIGNAL | VACANCY | — | 28 |
| 41630 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 28 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/41861
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.