ZIP
35016
AL · County 01095 · pop 17,435 (population)
32.5
Opportunity Index
EARLY_SIGNALNational rank #15828
Why This ZIP
ZIP 35016 ranks #15828 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35016 — 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 01095 — ZIP 35016 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01095 — ZIP 35016 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01095 — ZIP 35016 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 | 37.7 |
| Property Stress | 20.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 56.3 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#15828
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp37.9
Pulse score28.9
Signal Breakdown — 10 Categories
Vacancy
9.1
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
37.7
Bank Institutional
56.3
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
54.7
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
9.1%
Bank Score
56.3
Insurance Score
0.0
Listings Discount
37.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35016 | 28.9 | 19.5 | 0.0 | 37.7 |
| County 01095 | 30.7 | 19.9 | 0.0 | 40.2 |
| AL state avg | 34.1 | 20.8 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 35956 | 41.2 | STRONG_BUY | VACANCY | 48 | 25 |
| 35776 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 50 | 19 |
| 35760 | 38.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 17 |
| 35747 | 37.0 | PEAK_OPPORTUNITY | VACANCY | 48 | 20 |
| 35951 | 36.9 | PEAK_OPPORTUNITY | VACANCY | 49 | 21 |
| 35754 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 55 | 16 |
| 35980 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 20 |
| 35962 | 35.3 | EARLY_SIGNAL | VACANCY | — | 21 |
| 35769 | 34.8 | WATCHLIST | VACANCY | 41 | 19 |
| 35976 | 34.5 | WATCHLIST | VACANCY | 41 | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35016
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.