ZIP
36038
AL · County 01039 · pop 109 (population)
25.7
Opportunity Index
WEAKNational rank #30966
Why This ZIP
ZIP 36038 ranks #30966 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 36038 — 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 01039 — ZIP 36038 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01039 — ZIP 36038 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01039 — ZIP 36038 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
| Foreclosure / Delinquency | 26.0 |
| Property Stress | 15.0 |
| Vacancy | 2.9 |
▼ Top 3 Risk Signals
| Bank Institutional | 30.0 |
| Construction Pressure | 20.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#30966
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp37.0
Pulse score18.2
Signal Breakdown — 10 Categories
Vacancy
2.9
Auction / REO
—
Construction Pressure
20.0
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
30.0
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
2.9%
Bank Score
30.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36038 | 18.2 | 15.6 | 0.0 | — |
| County 01039 | 35.3 | 23.5 | 0.0 | 39.6 |
| AL state avg | 34.3 | 21.1 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 36477 | 43.9 | STRONG_BUY | VACANCY | 54 | 25 |
| 36442 | 39.3 | PEAK_OPPORTUNITY | VACANCY | 46 | 23 |
| 36453 | 38.7 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 57 | 22 |
| 36421 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 52 | 24 |
| 36467 | 38.4 | PEAK_OPPORTUNITY | VACANCY | 44 | 24 |
| 36420 | 36.5 | PEAK_OPPORTUNITY | VACANCY | 37 | 24 |
| 36028 | 36.4 | OVERHEATED | VACANCY | — | 30 |
| 36474 | 36.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 36456 | 36.0 | EARLY_SIGNAL | VACANCY | — | 24 |
| 36483 | 33.4 | EARLY_SIGNAL | VACANCY | — | 26 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36038
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.