ZIP
42539
KY · County 21045 · pop 9,406 (population)
37.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #4396
Why This ZIP
ZIP 42539 ranks #4396 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 41.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 42539 — 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 21045 — ZIP 42539 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21045 — ZIP 42539 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21045 — ZIP 42539 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 | 47.4 |
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 25.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4396
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp41.6
Pulse score35.5
Signal Breakdown — 10 Categories
Vacancy
16.2
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
47.4
Bank Institutional
61.8
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
83.5
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
16.2%
Bank Score
61.8
Insurance Score
0.0
Listings Discount
47.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 42539 | 35.5 | 23.9 | 0.0 | 47.4 |
| County 21045 | 33.8 | 23.2 | 0.0 | 27.2 |
| KY state avg | 33.9 | 22.0 | 0.0 | 29.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 40489 | 39.3 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 60 | 22 |
| 42566 | 35.3 | EARLY_SIGNAL | VACANCY | — | 25 |
| 42541 | 35.0 | EARLY_SIGNAL | VACANCY | — | 25 |
| 42642 | 34.7 | EARLY_SIGNAL | VACANCY | — | 27 |
| 42528 | 34.6 | EARLY_SIGNAL | VACANCY | — | 26 |
| 40437 | 33.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 23 |
| 40484 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 23 | 22 |
| 40328 | 31.7 | EARLY_SIGNAL | VACANCY | — | 19 |
| 40442 | 30.4 | WEAK | VACANCY | — | 14 |
| 40464 | 30.1 | WEAK | VACANCY | — | 18 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/42539
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.