ZIP
35650
AL · County 01079 · pop 13,485 (population)
38.1
Opportunity Index
PEAK_OPPORTUNITYNational rank #4125
Why This ZIP
ZIP 35650 ranks #4125 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35650 — 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 01079 — ZIP 35650 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01079 — ZIP 35650 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01079 — ZIP 35650 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 | 46.4 |
| Property Stress | 21.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.9 |
| Construction Pressure | 46.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4125
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp39.8
Pulse score37.0
Signal Breakdown — 10 Categories
Vacancy
11.8
Auction / REO
—
Construction Pressure
46.2
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
46.4
Bank Institutional
64.9
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
59.8
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
11.8%
Bank Score
64.9
Insurance Score
0.0
Listings Discount
46.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35650 | 37.0 | 20.4 | 0.0 | 46.4 |
| County 01079 | 34.7 | 20.1 | 0.0 | 37.6 |
| AL state avg | 34.1 | 20.8 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 35565 | 44.0 | STRONG_BUY | VACANCY | 53 | 23 |
| 35672 | 36.9 | OVERHEATED | VACANCY | 32 | 21 |
| 35618 | 36.6 | OVERHEATED | VACANCY | — | 21 |
| 35654 | 35.5 | WATCHLIST | VACANCY | 36 | 19 |
| 35619 | 35.4 | WATCHLIST | VACANCY | 51 | 19 |
| 35673 | 35.3 | WATCHLIST | VACANCY | 51 | 20 |
| 35651 | 33.2 | EARLY_SIGNAL | VACANCY | — | 21 |
| 35643 | 31.3 | EARLY_SIGNAL | VACANCY | — | 21 |
| 35603 | 29.2 | WEAK | BANK_INSTITUTIONAL | 32 | 16 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/35650
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.