ZIP
20186
VA · County 51061 · pop 15,433 (population)
25.2
Opportunity Index
WEAKNational rank #31544
Why This ZIP
ZIP 20186 ranks #31544 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 20186 — 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 51061 — ZIP 20186 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 51061 — ZIP 20186 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 51061 — ZIP 20186 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 | 11.0 |
| Property Stress | 10.0 |
| Vacancy | 4.7 |
▼ Top 3 Risk Signals
| Bank Institutional | 56.1 |
| Construction Pressure | 3.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#31544
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp30.8
Pulse score21.5
Signal Breakdown — 10 Categories
Vacancy
4.7
Auction / REO
—
Construction Pressure
3.2
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
56.1
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
4.7%
Bank Score
56.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 20186 | 21.5 | 9.2 | 0.0 | — |
| County 51061 | 22.7 | 9.1 | 0.0 | 19.3 |
| VA state avg | 26.9 | 12.0 | 0.0 | 24.4 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 20106 | 33.8 | EARLY_SIGNAL | VACANCY | 33 | 18 |
| 22630 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 16 |
| 22642 | 32.5 | EARLY_SIGNAL | VACANCY | 41 | 13 |
| 20187 | 29.1 | WEAK | BANK_INSTITUTIONAL | 39 | 10 |
| 20144 | 29.0 | WEAK | VACANCY | 40 | 10 |
| 20198 | 28.8 | WEAK | VACANCY | — | 10 |
| 20115 | 28.7 | WEAK | BANK_INSTITUTIONAL | 34 | 10 |
| 20117 | 27.9 | WEAK | VACANCY | — | 6 |
| 22720 | 27.9 | WEAK | VACANCY | 35 | 10 |
| 22556 | 27.7 | WEAK | BANK_INSTITUTIONAL | 39 | 8 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/20186
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.