ZIP
36092
AL · County 01051 · pop 21,170 (population)
39.3
Opportunity Index
PEAK_OPPORTUNITYNational rank #2817
Why This ZIP
ZIP 36092 ranks #2817 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 44.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36092 — 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 01051 — ZIP 36092 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01051 — ZIP 36092 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01051 — ZIP 36092 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 | 53.2 |
| Property Stress | 23.0 |
| Foreclosure / Delinquency | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.9 |
| Construction Pressure | 34.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2817
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp44.1
Pulse score36.1
Signal Breakdown — 10 Categories
Vacancy
11.2
Auction / REO
—
Construction Pressure
34.1
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
53.2
Bank Institutional
58.9
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
63.6
Price Cut %
38.9%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
11.2%
Bank Score
58.9
Insurance Score
0.0
Listings Discount
53.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36092 | 36.1 | 21.5 | 0.0 | 53.2 |
| County 01051 | 33.6 | 21.2 | 0.0 | 41.7 |
| 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 |
|---|---|---|---|---|---|
| 36078 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 52 | 23 |
| 36093 | 38.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 23 |
| 35010 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 40 | 24 |
| 36054 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 24 |
| 36020 | 36.2 | WATCHLIST | VACANCY | 47 | 23 |
| 36080 | 35.4 | WATCHLIST | VACANCY | 44 | 23 |
| 36022 | 35.3 | WATCHLIST | LISTINGS_DISCOUNT | 49 | 22 |
| 36024 | 35.1 | EARLY_SIGNAL | VACANCY | — | 23 |
| 36066 | 34.9 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 21 |
| 36026 | 33.0 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36092
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.