ZIP
36445
AL · County 01099 · pop 5,111 (population)
42.9
Opportunity Index
STRONG_BUYNational rank #672
Why This ZIP
ZIP 36445 ranks #672 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 42.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36445 — 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 01099 — ZIP 36445 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01099 — ZIP 36445 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01099 — ZIP 36445 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 | 50.7 |
| Foreclosure / Delinquency | 26.0 |
| Property Stress | 24.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 73.3 |
| Bank Institutional | 65.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#672
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp42.1
Pulse score43.4
Signal Breakdown — 10 Categories
Vacancy
23.1
Auction / REO
—
Construction Pressure
73.3
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
50.7
Bank Institutional
65.1
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
7.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
23.1%
Bank Score
65.1
Insurance Score
0.0
Listings Discount
50.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36445 | 43.4 | 23.6 | 0.0 | 50.7 |
| County 01099 | 39.3 | 23.5 | 0.0 | 33.7 |
| 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 |
|---|---|---|---|---|---|
| 36033 | 44.8 | STRONG_BUY | VACANCY | 53 | 24 |
| 36401 | 41.8 | STRONG_BUY | VACANCY | 52 | 24 |
| 36502 | 41.6 | STRONG_BUY | VACANCY | 44 | 29 |
| 36726 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 37 | 24 |
| 36460 | 39.2 | PEAK_OPPORTUNITY | VACANCY | 38 | 24 |
| 36439 | 35.9 | EARLY_SIGNAL | VACANCY | — | 15 |
| 36768 | 35.8 | EARLY_SIGNAL | VACANCY | — | 24 |
| 36751 | 35.8 | EARLY_SIGNAL | VACANCY | — | 26 |
| 36444 | 35.4 | EARLY_SIGNAL | VACANCY | — | 24 |
| 36480 | 35.4 | EARLY_SIGNAL | VACANCY | — | 24 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36445
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.