ZIP
35540
AL · County 01133 · pop 2,092 (population)
33.8
Opportunity Index
EARLY_SIGNALNational rank #12510
Why This ZIP
ZIP 35540 ranks #12510 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 32.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 35540 — 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 01133 — ZIP 35540 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01133 — ZIP 35540 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01133 — ZIP 35540 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
| Foreclosure / Delinquency | 26.0 |
| Property Stress | 24.0 |
| Vacancy | 20.5 |
▼ Top 3 Risk Signals
| Bank Institutional | 62.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#12510
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp32.2
Pulse score34.8
Signal Breakdown — 10 Categories
Vacancy
20.5
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
62.8
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
20.5%
Bank Score
62.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35540 | 34.8 | 23.4 | 0.0 | — |
| County 01133 | 35.5 | 23.2 | 0.0 | 38.9 |
| 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 |
|---|---|---|---|---|---|
| 35565 | 44.0 | STRONG_BUY | VACANCY | 53 | 23 |
| 35553 | 39.9 | PEAK_OPPORTUNITY | VACANCY | 56 | 24 |
| 35503 | 38.7 | PEAK_OPPORTUNITY | VACANCY | 52 | 23 |
| 35541 | 37.8 | PEAK_OPPORTUNITY | VACANCY | 45 | 24 |
| 35179 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 18 |
| 35572 | 34.3 | WATCHLIST | VACANCY | 38 | 24 |
| 35053 | 32.2 | EARLY_SIGNAL | VACANCY | 36 | 19 |
| 35575 | 31.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 35578 | 29.5 | WEAK | VACANCY | — | 23 |
| 35098 | 29.3 | WEAK | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35540
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.