ZIP
35803
AL · County 01089 · pop 29,283 (population)
35.3
Opportunity Index
WATCHLISTNational rank #8936
Why This ZIP
ZIP 35803 ranks #8936 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 35803 — 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 01089 — ZIP 35803 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01089 — ZIP 35803 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01089 — ZIP 35803 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 | 47.3 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.5 |
| Construction Pressure | 40.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8936
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp40.8
Pulse score31.7
Signal Breakdown — 10 Categories
Vacancy
5.3
Auction / REO
—
Construction Pressure
40.8
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
47.3
Bank Institutional
58.5
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
58.2
Price Cut %
6.8%
Short-Sale Listings
7
Auction Events 90d
—
Vacancy %
5.3%
Bank Score
58.5
Insurance Score
0.0
Listings Discount
47.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 35803 | 31.7 | 16.5 | 0.0 | 47.3 |
| County 01089 | 30.7 | 16.5 | 0.0 | 43.0 |
| 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 |
|---|---|---|---|---|---|
| 35776 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 50 | 19 |
| 35760 | 38.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 17 |
| 35810 | 36.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 17 |
| 35759 | 36.3 | WATCHLIST | BANK_INSTITUTIONAL | 51 | 17 |
| 35756 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 17 |
| 35748 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 17 |
| 35816 | 36.0 | WATCHLIST | VACANCY | 45 | 17 |
| 35739 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 17 |
| 35750 | 35.8 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 17 |
| 35811 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 17 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/35803
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.