ZIP
35146
AL · County 01115 · pop 13,283 (population)
36.2
Opportunity Index
WATCHLISTNational rank #7082
Why This ZIP
ZIP 35146 ranks #7082 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35146 — 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 01115 — ZIP 35146 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01115 — ZIP 35146 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01115 — ZIP 35146 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 | 45.0 |
| Property Stress | 20.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 63.4 |
| Construction Pressure | 52.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#7082
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp39.3
Pulse score34.2
Signal Breakdown — 10 Categories
Vacancy
3.4
Auction / REO
—
Construction Pressure
52.0
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
45.0
Bank Institutional
63.4
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
178.0
Price Cut %
14.1%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
3.4%
Bank Score
63.4
Insurance Score
0.0
Listings Discount
45.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35146 | 34.2 | 19.9 | 0.0 | 45.0 |
| County 01115 | 33.8 | 19.7 | 0.0 | 36.5 |
| 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 |
|---|---|---|---|---|---|
| 35121 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 20 |
| 35054 | 37.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 20 |
| 35128 | 37.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 20 |
| 35133 | 36.0 | WATCHLIST | VACANCY | 43 | 20 |
| 35125 | 35.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 20 |
| 35120 | 35.8 | WATCHLIST | LISTINGS_DISCOUNT | 48 | 20 |
| 35953 | 35.8 | EARLY_SIGNAL | VACANCY | — | 20 |
| 35987 | 35.7 | EARLY_SIGNAL | VACANCY | — | 20 |
| 35004 | 35.5 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 20 |
| 35131 | 35.5 | EARLY_SIGNAL | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35146
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.