ZIP
35085
AL · County 01021 · pop 8,786 (population)
37.7
Opportunity Index
PEAK_OPPORTUNITYNational rank #4668
Why This ZIP
ZIP 35085 ranks #4668 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 45.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35085 — 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 01021 — ZIP 35085 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01021 — ZIP 35085 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01021 — ZIP 35085 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 | 60.0 |
| Property Stress | 18.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 62.9 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4668
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp45.0
Pulse score32.8
Signal Breakdown — 10 Categories
Vacancy
10.3
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
60.0
Bank Institutional
62.9
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
78.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.3%
Bank Score
62.9
Insurance Score
0.0
Listings Discount
60.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35085 | 32.8 | 16.4 | 0.0 | 60.0 |
| County 01021 | 28.9 | 16.0 | 0.0 | 41.9 |
| AL state avg | 34.3 | 21.1 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 35046 | 36.9 | PEAK_OPPORTUNITY | VACANCY | 56 | 19 |
| 35115 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 16 |
| 35171 | 33.6 | WATCHLIST | LISTINGS_DISCOUNT | 53 | 18 |
| 35045 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 47 | 18 |
| 35040 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 15 |
| 36792 | 31.1 | EARLY_SIGNAL | VACANCY | — | 23 |
| 36750 | 30.7 | WEAK | BANK_INSTITUTIONAL | — | 18 |
| 36793 | 30.0 | WEAK | VACANCY | — | 20 |
| 36091 | 28.9 | WEAK | VACANCY | — | 18 |
| 36051 | 28.6 | WEAK | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/35085
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.