ZIP
24538
VA · County 51031 · pop 4,823 (population)
38.7
Opportunity Index
PEAK_OPPORTUNITYNational rank #3458
Why This ZIP
ZIP 24538 ranks #3458 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 24538 — 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 51031 — ZIP 24538 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 51031 — ZIP 24538 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 51031 — ZIP 24538 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 | 46.6 |
| Foreclosure / Delinquency | 20.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 79.5 |
| Bank Institutional | 70.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3458
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp38.1
Pulse score39.1
Signal Breakdown — 10 Categories
Vacancy
9.5
Auction / REO
—
Construction Pressure
79.5
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
46.6
Bank Institutional
70.9
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
79.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.5%
Bank Score
70.9
Insurance Score
0.0
Listings Discount
46.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 24538 | 39.1 | 17.2 | 0.0 | 46.6 |
| County 51031 | 33.4 | 17.5 | 0.0 | 24.3 |
| 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 |
|---|---|---|---|---|---|
| 24528 | 44.6 | STRONG_BUY | VACANCY | 53 | 29 |
| 23963 | 40.5 | OVERHEATED | VACANCY | — | 37 |
| 24517 | 39.2 | PEAK_OPPORTUNITY | VACANCY | 47 | 17 |
| 24588 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 17 |
| 24551 | 34.7 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 21 |
| 24571 | 34.5 | EARLY_SIGNAL | VACANCY | 34 | 18 |
| 24504 | 34.0 | EARLY_SIGNAL | VACANCY | 23 | 17 |
| 24569 | 34.0 | EARLY_SIGNAL | VACANCY | — | 22 |
| 24593 | 33.7 | EARLY_SIGNAL | VACANCY | — | 19 |
| 24554 | 32.5 | EARLY_SIGNAL | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/24538
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.