ZIP
22963
VA · County 51065 · pop 16,786 (population)
33.4
Opportunity Index
EARLY_SIGNALNational rank #13517
Why This ZIP
ZIP 22963 ranks #13517 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 22963 — 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 51065 — ZIP 22963 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 51065 — ZIP 22963 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 51065 — ZIP 22963 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 | 41.8 |
| Foreclosure / Delinquency | 19.0 |
| Property Stress | 12.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 54.9 |
| Bank Institutional | 53.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#13517
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp38.4
Pulse score30.1
Signal Breakdown — 10 Categories
Vacancy
8.7
Auction / REO
—
Construction Pressure
54.9
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
41.8
Bank Institutional
53.8
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
70.0
Price Cut %
13.1%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
8.7%
Bank Score
53.8
Insurance Score
0.0
Listings Discount
41.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 22963 | 30.1 | 12.6 | 0.0 | 41.8 |
| County 51065 | 28.4 | 13.1 | 0.0 | 30.8 |
| VA state avg | 27.0 | 12.3 | 0.0 | 24.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 24590 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 16 |
| 23038 | 32.9 | EARLY_SIGNAL | VACANCY | 29 | 15 |
| 23093 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 20 | 16 |
| 23055 | 29.5 | WEAK | VACANCY | — | 12 |
| 23022 | 29.2 | WEAK | VACANCY | — | 11 |
| 22974 | 28.2 | WEAK | VACANCY | — | 13 |
| 23084 | 27.6 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 22947 | 27.2 | WEAK | BANK_INSTITUTIONAL | 20 | 16 |
| 22902 | 26.7 | WEAK | BANK_INSTITUTIONAL | 11 | 16 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/22963
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.