ZIP
22812
VA · County 51165 · pop 10,121 (population)
32.0
Opportunity Index
EARLY_SIGNALNational rank #17232
Why This ZIP
ZIP 22812 ranks #17232 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 22812 — 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 51165 — ZIP 22812 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 51165 — ZIP 22812 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 51165 — ZIP 22812 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 | 34.6 |
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 14.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 64.6 |
| Bank Institutional | 55.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#17232
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp35.7
Pulse score29.5
Signal Breakdown — 10 Categories
Vacancy
5.3
Auction / REO
—
Construction Pressure
64.6
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
34.6
Bank Institutional
55.0
Insurance Distress
0.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
5.5
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
5.3%
Bank Score
55.0
Insurance Score
0.0
Listings Discount
34.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 22812 | 29.5 | 12.2 | 0.0 | 34.6 |
| County 51165 | 27.7 | 16.0 | 0.0 | 13.4 |
| VA state avg | 26.9 | 12.0 | 0.0 | 24.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 22849 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 46 | 23 |
| 24441 | 34.4 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 12 |
| 22844 | 33.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 32 | 18 |
| 22827 | 33.5 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 18 |
| 22815 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 16 |
| 22853 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 22840 | 30.4 | WEAK | VACANCY | — | 16 |
| 22850 | 30.1 | WEAK | VACANCY | — | 16 |
| 22802 | 30.0 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 24471 | 29.4 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/22812
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.