ZIP
35646
AL · County 01033 · pop 4,005 (population)
38.5
Opportunity Index
OVERHEATEDNational rank #3686
Why This ZIP
ZIP 35646 ranks #3686 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 29.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 35646 — 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 01033 — ZIP 35646 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01033 — ZIP 35646 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01033 — ZIP 35646 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
| Property Stress | 28.0 |
| Foreclosure / Delinquency | 21.0 |
| Vacancy | 18.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 79.1 |
| Construction Pressure | 55.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#3686
PhaseOVERHEATED
Primary driverVACANCY
Capital opp29.8
Pulse score44.3
Signal Breakdown — 10 Categories
Vacancy
18.3
Auction / REO
—
Construction Pressure
55.8
FL Deep Bonus
—
Property Stress
28.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
79.1
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
18.3%
Bank Score
79.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35646 | 44.3 | 21.5 | 0.0 | — |
| County 01033 | 40.3 | 21.4 | 0.0 | 20.9 |
| AL state avg | 34.3 | 21.1 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 35616 | 45.4 | STRONG_BUY | VACANCY | 60 | 28 |
| 35653 | 41.3 | STRONG_BUY | VACANCY | 53 | 19 |
| 35674 | 39.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 28 |
| 35660 | 37.5 | OVERHEATED | BANK_INSTITUTIONAL | — | 28 |
| 35672 | 37.0 | OVERHEATED | VACANCY | 32 | 21 |
| 35661 | 36.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 28 |
| 35654 | 35.5 | WATCHLIST | VACANCY | 36 | 19 |
| 38852 | 33.0 | EARLY_SIGNAL | VACANCY | 37 | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/35646
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.