ZIP
36109
AL · County 01101 · pop 24,093 (population)
39.7
Opportunity Index
PEAK_OPPORTUNITYNational rank #2480
Why This ZIP
ZIP 36109 ranks #2480 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 44.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36109 — 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 36109 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01101 — ZIP 36109 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01101 — ZIP 36109 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 | 53.0 |
| Property Stress | 23.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 60.1 |
| Construction Pressure | 45.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2480
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp44.0
Pulse score36.8
Signal Breakdown — 10 Categories
Vacancy
10.5
Auction / REO
—
Construction Pressure
45.4
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
53.0
Bank Institutional
60.1
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
124.8
Price Cut %
11.4%
Short-Sale Listings
11
Auction Events 90d
—
Vacancy %
10.5%
Bank Score
60.1
Insurance Score
0.0
Listings Discount
53.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36109 | 36.8 | 20.8 | 0.0 | 53.0 |
| 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 |
| 36013 | 39.6 | PEAK_OPPORTUNITY | VACANCY | 53 | 23 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36109
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.