ZIP
35020
AL · County 01073 · pop 25,308 (population)
37.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #4396
Why This ZIP
ZIP 35020 ranks #4396 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 41.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35020 — 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 01073 — ZIP 35020 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01073 — ZIP 35020 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01073 — ZIP 35020 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 | 49.3 |
| Property Stress | 21.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.4 |
| Construction Pressure | 7.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4396
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp41.7
Pulse score35.3
Signal Breakdown — 10 Categories
Vacancy
18.3
Auction / REO
—
Construction Pressure
7.2
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
49.3
Bank Institutional
61.4
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
72.9
Price Cut %
46.0%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
18.3%
Bank Score
61.4
Insurance Score
0.0
Listings Discount
49.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35020 | 35.3 | 20.4 | 0.0 | 49.3 |
| County 01073 | 32.0 | 20.1 | 0.0 | 41.2 |
| 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 |
|---|---|---|---|---|---|
| 35063 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 62 | 23 |
| 35006 | 39.5 | PEAK_OPPORTUNITY | VACANCY | 62 | 21 |
| 35073 | 39.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 56 | 21 |
| 35208 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 53 | 21 |
| 35062 | 39.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 56 | 21 |
| 35224 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 59 | 21 |
| 35228 | 38.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 53 | 21 |
| 35148 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 48 | 23 |
| 35064 | 38.1 | PEAK_OPPORTUNITY | VACANCY | 48 | 21 |
| 35126 | 37.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 55 | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35020
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.