ZIP
35620
AL · County 01083 · pop 10,990 (population)
37.3
Opportunity Index
PEAK_OPPORTUNITYNational rank #5206
Why This ZIP
ZIP 35620 ranks #5206 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35620 — 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 01083 — ZIP 35620 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01083 — ZIP 35620 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01083 — ZIP 35620 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 | 52.0 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 77.7 |
| Construction Pressure | 34.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5206
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp38.6
Pulse score36.4
Signal Breakdown — 10 Categories
Vacancy
6.3
Auction / REO
—
Construction Pressure
34.5
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
52.0
Bank Institutional
77.7
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
59.5
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
6.3%
Bank Score
77.7
Insurance Score
0.0
Listings Discount
52.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35620 | 36.4 | 16.0 | 0.0 | 52.0 |
| County 01083 | 30.9 | 16.1 | 0.0 | 42.9 |
| AL state avg | 34.2 | 21.0 | 0.0 | 36.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 35652 | 42.7 | STRONG_BUY | VACANCY | 47 | 28 |
| 35756 | 36.2 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 17 |
| 35739 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 17 |
| 35757 | 35.0 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 17 |
| 35613 | 34.6 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 17 |
| 35614 | 34.4 | WATCHLIST | VACANCY | 44 | 17 |
| 35749 | 34.2 | WATCHLIST | LISTINGS_DISCOUNT | 50 | 17 |
| 35773 | 34.1 | WATCHLIST | LISTINGS_DISCOUNT | 48 | 17 |
| 35611 | 33.0 | EARLY_SIGNAL | VACANCY | 35 | 17 |
| 35610 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 25 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/35620
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.