ZIP
36104
AL · County 01101 · pop 10,637 (population)
35.4
Opportunity Index
EARLY_SIGNALNational rank #8712
Why This ZIP
ZIP 36104 ranks #8712 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 35.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36104 — 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 01101 — ZIP 36104 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01101 — ZIP 36104 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01101 — ZIP 36104 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 | 29.3 |
| Property Stress | 23.0 |
| Vacancy | 21.6 |
▼ Top 3 Risk Signals
| Bank Institutional | 56.8 |
| Construction Pressure | 45.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8712
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp35.0
Pulse score35.6
Signal Breakdown — 10 Categories
Vacancy
21.6
Auction / REO
—
Construction Pressure
45.4
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
29.3
Bank Institutional
56.8
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
140.7
Price Cut %
20.4%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
21.6%
Bank Score
56.8
Insurance Score
0.0
Listings Discount
29.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36104 | 35.6 | 20.8 | 0.0 | 29.3 |
| County 01101 | 36.3 | 20.7 | 0.0 | 46.2 |
| 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 |
|---|---|---|---|---|---|
| 36069 | 44.4 | STRONG_BUY | VACANCY | 62 | 23 |
| 36046 | 43.1 | STRONG_BUY | VACANCY | 55 | 34 |
| 36105 | 42.6 | STRONG_BUY | VACANCY | 57 | 23 |
| 36108 | 41.3 | STRONG_BUY | VACANCY | 51 | 23 |
| 36041 | 41.2 | OVERHEATED | VACANCY | — | 40 |
| 36111 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 50 | 23 |
| 36107 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 47 | 23 |
| 36110 | 40.1 | PEAK_OPPORTUNITY | VACANCY | 55 | 23 |
| 36036 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 47 | 28 |
| 36109 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 53 | 23 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36104
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.