ZIP
42081
KY · County 21139 · pop 2,325 (population)
40.4
Opportunity Index
PEAK_OPPORTUNITYNational rank #1895
Why This ZIP
ZIP 42081 ranks #1895 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 46.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 42081 — 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 21139 — ZIP 42081 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21139 — ZIP 42081 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21139 — ZIP 42081 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 | 39.0 |
| Listings Discount | 38.2 |
| Foreclosure / Delinquency | 37.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 32.5 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#1895
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp46.6
Pulse score36.3
Signal Breakdown — 10 Categories
Vacancy
23.4
Auction / REO
—
Construction Pressure
—
FL Deep Bonus
—
Property Stress
39.0
HOA / Federal Liens
—
Listings Discount
38.2
Bank Institutional
32.5
Insurance Distress
0.0
Foreclosure / Delinquency
37.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
23.4%
Bank Score
32.5
Insurance Score
0.0
Listings Discount
38.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 42081 | 36.3 | 33.0 | 0.0 | 38.2 |
| County 21139 | 40.5 | 32.4 | 0.0 | 39.6 |
| 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 |
|---|---|---|---|---|---|
| 42028 | 47.1 | STRONG_BUY | VACANCY | 65 | 39 |
| 42045 | 46.2 | STRONG_BUY | VACANCY | 50 | 39 |
| 42058 | 46.0 | STRONG_BUY | VACANCY | 62 | 39 |
| 42078 | 38.7 | OVERHEATED | VACANCY | — | 37 |
| 42047 | 37.5 | OVERHEATED | VACANCY | — | 39 |
| 42083 | 33.5 | EARLY_SIGNAL | VACANCY | — | 27 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/42081
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.