ZIP
31909
GA · County 13215 · pop 38,730 (population)
33.5
Opportunity Index
EARLY_SIGNALNational rank #13264
Why This ZIP
ZIP 31909 ranks #13264 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 31909 — 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 13215 — ZIP 31909 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 13215 — ZIP 31909 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 13215 — ZIP 31909 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 | 29.3 |
| Property Stress | 23.0 |
| Foreclosure / Delinquency | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 54.8 |
| Construction Pressure | 51.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#13264
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp35.4
Pulse score32.2
Signal Breakdown — 10 Categories
Vacancy
7.6
Auction / REO
—
Construction Pressure
51.8
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
29.3
Bank Institutional
54.8
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
113.9
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
7.6%
Bank Score
54.8
Insurance Score
0.0
Listings Discount
29.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 31909 | 32.2 | 21.5 | 0.0 | 29.3 |
| County 13215 | 35.0 | 21.4 | 0.0 | 37.5 |
| GA state avg | 32.3 | 20.2 | 0.4 | 33.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 31903 | 41.5 | STRONG_BUY | VACANCY | 53 | 23 |
| 31907 | 38.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 46 | 23 |
| 31906 | 37.9 | PEAK_OPPORTUNITY | VACANCY | 38 | 23 |
| 31808 | 36.5 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 50 | 21 |
| 31801 | 34.9 | WATCHLIST | LISTINGS_DISCOUNT | 41 | 24 |
| 31904 | 34.8 | EARLY_SIGNAL | VACANCY | 31 | 23 |
| 31901 | 34.7 | EARLY_SIGNAL | VACANCY | 25 | 23 |
| 31905 | 34.0 | EARLY_SIGNAL | VACANCY | — | 15 |
| 31829 | 33.6 | WATCHLIST | LISTINGS_DISCOUNT | 42 | 22 |
| 31820 | 29.4 | WEAK | BANK_INSTITUTIONAL | 22 | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/31909
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.