ZIP
42103
KY · County 21227 · pop 21,927 (population)
35.9
Opportunity Index
WATCHLISTNational rank #7593
Why This ZIP
ZIP 42103 ranks #7593 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 42103 — 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 21227 — ZIP 42103 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21227 — ZIP 42103 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21227 — ZIP 42103 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 | 40.1 |
| Property Stress | 21.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.5 |
| Construction Pressure | 53.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#7593
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.5
Pulse score34.2
Signal Breakdown — 10 Categories
Vacancy
6.8
Auction / REO
—
Construction Pressure
53.8
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
40.1
Bank Institutional
59.5
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
35.0
Price Cut %
—%
Short-Sale Listings
9
Auction Events 90d
—
Vacancy %
6.8%
Bank Score
59.5
Insurance Score
0.0
Listings Discount
40.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 42103 | 34.2 | 21.1 | 0.0 | 40.1 |
| County 21227 | 33.3 | 22.3 | 0.0 | 33.6 |
| KY state avg | 33.8 | 22.0 | 0.0 | 29.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 42206 | 39.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 24 |
| 42171 | 37.3 | OVERHEATED | BANK_INSTITUTIONAL | — | 28 |
| 42274 | 37.0 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 56 | 22 |
| 42101 | 35.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 23 |
| 42159 | 34.5 | WATCHLIST | LISTINGS_DISCOUNT | 42 | 21 |
| 42104 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 21 |
| 42170 | 32.2 | EARLY_SIGNAL | VACANCY | — | 20 |
| 42122 | 30.9 | EARLY_SIGNAL | VACANCY | — | 21 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/42103
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.