ZIP
35740
AL · County 01071 · pop 3,285 (population)
32.4
Opportunity Index
EARLY_SIGNALNational rank #16130
Why This ZIP
ZIP 35740 ranks #16130 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 31.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 35740 — 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 01071 — ZIP 35740 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01071 — ZIP 35740 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01071 — ZIP 35740 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 | 19.0 |
| Foreclosure / Delinquency | 19.0 |
| Vacancy | 11.9 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.0 |
| Construction Pressure | 39.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#16130
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp31.6
Pulse score32.9
Signal Breakdown — 10 Categories
Vacancy
11.9
Auction / REO
—
Construction Pressure
39.6
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
61.0
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
11.9%
Bank Score
61.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35740 | 32.9 | 18.4 | 0.0 | — |
| County 01071 | 32.6 | 18.5 | 0.0 | 22.5 |
| AL state avg | 34.1 | 20.7 | 0.0 | 36.8 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 35978 | 40.1 | PEAK_OPPORTUNITY | VACANCY | 51 | 21 |
| 35776 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 50 | 19 |
| 35772 | 36.7 | PEAK_OPPORTUNITY | VACANCY | 42 | 19 |
| 35748 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 17 |
| 35971 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 35769 | 34.8 | WATCHLIST | VACANCY | 41 | 19 |
| 35768 | 34.4 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 19 |
| 35771 | 34.2 | EARLY_SIGNAL | VACANCY | — | 19 |
| 35958 | 34.1 | EARLY_SIGNAL | VACANCY | — | 19 |
| 35979 | 33.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/35740
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.