ZIP
42765
KY · County 21099 · pop 7,030 (population)
34.0
Opportunity Index
EARLY_SIGNALNational rank #11998
Why This ZIP
ZIP 42765 ranks #11998 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 42765 — 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 21099 — ZIP 42765 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 21099 — ZIP 42765 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 21099 — ZIP 42765 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 | 47.0 |
| Property Stress | 34.0 |
| Vacancy | 8.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 42.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#11998
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp38.2
Pulse score31.2
Signal Breakdown — 10 Categories
Vacancy
8.3
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
34.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
42.8
Insurance Distress
0.0
Foreclosure / Delinquency
47.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
8.3%
Bank Score
42.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 42765 | 31.2 | 37.0 | 0.0 | — |
| County 21099 | 33.2 | 35.9 | 0.0 | 14.3 |
| KY state avg | 34.6 | 23.8 | 0.0 | 29.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 42713 | 41.0 | STRONG_BUY | VACANCY | 54 | 34 |
| 42749 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 40 | 33 |
| 42127 | 38.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 26 |
| 42722 | 37.7 | OVERHEATED | VACANCY | — | 34 |
| 42729 | 36.5 | OVERHEATED | VACANCY | — | 38 |
| 42784 | 36.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 29 |
| 42746 | 34.8 | EARLY_SIGNAL | VACANCY | — | 34 |
| 42757 | 34.3 | EARLY_SIGNAL | VACANCY | — | 33 |
| 42782 | 33.6 | EARLY_SIGNAL | VACANCY | — | 31 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/42765
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.