ZIP
36203
AL · County 01015 · pop 18,797 (population)
40.3
Opportunity Index
PEAK_OPPORTUNITYNational rank #1947
Why This ZIP
ZIP 36203 ranks #1947 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36203 — 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 01015 — ZIP 36203 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01015 — ZIP 36203 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01015 — ZIP 36203 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 | 47.1 |
| Property Stress | 29.0 |
| Foreclosure / Delinquency | 23.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 64.8 |
| Bank Institutional | 57.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1947
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp43.2
Pulse score38.3
Signal Breakdown — 10 Categories
Vacancy
9.3
Auction / REO
—
Construction Pressure
64.8
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
47.1
Bank Institutional
57.1
Insurance Distress
0.0
Foreclosure / Delinquency
23.0
Top-Line Metrics
Avg DOM (days)
86.0
Price Cut %
3.2%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
9.3%
Bank Score
57.1
Insurance Score
0.0
Listings Discount
47.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36203 | 38.3 | 23.0 | 0.0 | 47.1 |
| County 01015 | 41.0 | 24.5 | 0.0 | 42.6 |
| AL state avg | 34.1 | 20.8 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 36201 | 45.0 | STRONG_BUY | VACANCY | 52 | 32 |
| 36272 | 44.0 | STRONG_BUY | VACANCY | 53 | 28 |
| 36271 | 44.0 | STRONG_BUY | VACANCY | 58 | 32 |
| 36206 | 43.0 | STRONG_BUY | VACANCY | 48 | 32 |
| 36265 | 42.2 | STRONG_BUY | VACANCY | 46 | 32 |
| 36207 | 41.6 | STRONG_BUY | BANK_INSTITUTIONAL | 41 | 32 |
| 36277 | 41.3 | STRONG_BUY | LISTINGS_DISCOUNT | 52 | 32 |
| 35096 | 40.1 | PEAK_OPPORTUNITY | VACANCY | 50 | 22 |
| 36250 | 38.1 | OVERHEATED | BANK_INSTITUTIONAL | — | 32 |
| 35905 | 36.7 | OVERHEATED | VACANCY | — | 24 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/36203
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.