ZIP
35077
AL · County 01043 · pop 13,290 (population)
33.6
Opportunity Index
WATCHLISTNational rank #12989
Why This ZIP
ZIP 35077 ranks #12989 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35077 — 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 01043 — ZIP 35077 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01043 — ZIP 35077 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01043 — ZIP 35077 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 | 42.6 |
| Foreclosure / Delinquency | 19.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.4 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#12989
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.8
Pulse score30.1
Signal Breakdown — 10 Categories
Vacancy
11.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
42.6
Bank Institutional
59.4
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
42.5
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
11.0%
Bank Score
59.4
Insurance Score
0.0
Listings Discount
42.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35077 | 30.1 | 17.9 | 0.0 | 42.6 |
| County 01043 | 27.9 | 18.0 | 0.0 | 37.4 |
| 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 |
|---|---|---|---|---|---|
| 35541 | 37.8 | PEAK_OPPORTUNITY | VACANCY | 45 | 24 |
| 35179 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 18 |
| 35619 | 35.4 | WATCHLIST | VACANCY | 51 | 19 |
| 35622 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 16 |
| 35976 | 34.5 | WATCHLIST | VACANCY | 41 | 20 |
| 35057 | 34.2 | WATCHLIST | VACANCY | 51 | 18 |
| 35540 | 33.8 | EARLY_SIGNAL | VACANCY | — | 24 |
| 35033 | 32.7 | EARLY_SIGNAL | VACANCY | 39 | 19 |
| 35087 | 32.5 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 53 | 18 |
| 35058 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 18 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35077
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.