ZIP
35097
AL · County 01009 · pop 1,857 (population)
38.8
Opportunity Index
PEAK_OPPORTUNITYNational rank #3336
Why This ZIP
ZIP 35097 ranks #3336 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 41.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35097 — 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 01009 — ZIP 35097 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01009 — ZIP 35097 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01009 — ZIP 35097 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 | 50.9 |
| Property Stress | 20.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 66.1 |
| Construction Pressure | 50.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3336
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp41.1
Pulse score37.3
Signal Breakdown — 10 Categories
Vacancy
10.0
Auction / REO
—
Construction Pressure
50.0
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
50.9
Bank Institutional
66.1
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
92.5
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
10.0%
Bank Score
66.1
Insurance Score
0.0
Listings Discount
50.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35097 | 37.3 | 19.7 | 0.0 | 50.9 |
| County 01009 | 33.6 | 19.9 | 0.0 | 41.0 |
| 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 |
| 35031 | 39.6 | PEAK_OPPORTUNITY | VACANCY | 51 | 20 |
| 35121 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 20 |
| 35126 | 37.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 55 | 21 |
| 35079 | 37.5 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 55 | 20 |
| 35146 | 36.2 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 20 |
| 35180 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 21 |
| 35133 | 36.0 | WATCHLIST | VACANCY | 43 | 20 |
| 35980 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 20 |
| 35976 | 34.5 | WATCHLIST | VACANCY | 41 | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35097
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.