ZIP
23860
VA · County 51149 · pop 31,432 (population)
29.7
Opportunity Index
WEAKNational rank #23213
Why This ZIP
ZIP 23860 ranks #23213 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 31.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 23860 — 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 51149 — ZIP 23860 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 51149 — ZIP 23860 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 51149 — ZIP 23860 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 | 29.8 |
| Property Stress | 9.0 |
| Foreclosure / Delinquency | 9.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.0 |
| Construction Pressure | 57.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#23213
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp31.9
Pulse score28.3
Signal Breakdown — 10 Categories
Vacancy
8.9
Auction / REO
—
Construction Pressure
57.1
FL Deep Bonus
—
Property Stress
9.0
HOA / Federal Liens
—
Listings Discount
29.8
Bank Institutional
59.0
Insurance Distress
0.0
Foreclosure / Delinquency
9.0
Top-Line Metrics
Avg DOM (days)
111.6
Price Cut %
6.6%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
8.9%
Bank Score
59.0
Insurance Score
0.0
Listings Discount
29.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 23860 | 28.3 | 7.8 | 0.0 | 29.8 |
| County 51149 | 24.5 | 7.9 | 0.0 | 22.6 |
| VA state avg | 26.9 | 12.0 | 0.0 | 24.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 23805 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 12 |
| 23881 | 30.3 | WEAK | VACANCY | — | 14 |
| 23830 | 28.2 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 23842 | 26.8 | WEAK | VACANCY | — | 11 |
| 23875 | 26.7 | WEAK | BANK_INSTITUTIONAL | 27 | 7 |
| 23801 | 24.1 | WEAK | VACANCY | — | 5 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/23860
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.