ZIP
32092
FL · County 12109 · pop 48,288 (population)
42.6
Opportunity Index
STRONG_BUYNational rank #743
Why This ZIP
ZIP 32092 ranks #743 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 41.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32092 — 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 12109 — ZIP 32092 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12109 — ZIP 32092 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12109 — ZIP 32092 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 | 42.3 |
| Foreclosure / Delinquency | 38.0 |
| Property Stress | 33.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 87.3 |
| Bank Institutional | 60.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#743
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp41.6
Pulse score43.2
Signal Breakdown — 10 Categories
Vacancy
8.9
Auction / REO
—
Construction Pressure
87.3
FL Deep Bonus
—
Property Stress
33.0
HOA / Federal Liens
—
Listings Discount
42.3
Bank Institutional
60.5
Insurance Distress
0.0
Foreclosure / Delinquency
38.0
Top-Line Metrics
Avg DOM (days)
77.7
Price Cut %
9.2%
Short-Sale Listings
10
Auction Events 90d
—
Vacancy %
8.9%
Bank Score
60.5
Insurance Score
0.0
Listings Discount
42.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32092 | 43.2 | 33.9 | 0.0 | 42.3 |
| County 12109 | 42.4 | 33.7 | 0.0 | 38.0 |
| FL state avg | 37.8 | 29.6 | 4.4 | 35.6 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 32145 | 45.5 | STRONG_BUY | VACANCY | 48 | 33 |
| 32131 | 42.9 | STRONG_BUY | VACANCY | 44 | 28 |
| 32095 | 42.2 | STRONG_BUY | BANK_INSTITUTIONAL | 41 | 33 |
| 32080 | 42.1 | OVERHEATED | VACANCY | 33 | 33 |
| 32084 | 42.0 | OVERHEATED | VACANCY | 34 | 33 |
| 32259 | 41.7 | STRONG_BUY | BANK_INSTITUTIONAL | 43 | 33 |
| 32082 | 41.3 | OVERHEATED | VACANCY | 33 | 33 |
| 32033 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 40 | 33 |
| 32086 | 40.2 | OVERHEATED | BANK_INSTITUTIONAL | 32 | 33 |
| 32081 | 39.8 | OVERHEATED | BANK_INSTITUTIONAL | 36 | 32 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/32092
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.