ZIP
36481
AL · County 01099 · pop 187 (population)
35.7
Opportunity Index
EARLY_SIGNALNational rank #8110
Why This ZIP
ZIP 36481 ranks #8110 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 36481 — 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 36481 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01099 — ZIP 36481 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01099 — ZIP 36481 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
| Vacancy | 50.0 |
| Foreclosure / Delinquency | 26.0 |
| Property Stress | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 73.3 |
| Bank Institutional | 31.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#8110
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.8
Pulse score33.6
Signal Breakdown — 10 Categories
Vacancy
50.0
Auction / REO
—
Construction Pressure
73.3
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.0
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
50.0%
Bank Score
31.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36481 | 33.6 | 24.1 | 0.0 | — |
| County 01099 | 39.6 | 24.1 | 0.0 | 34.1 |
| AL state avg | 34.6 | 21.6 | 0.0 | 37.4 |
| National | 31.1 | 17.4 | 0.4 | 28.5 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 36033 | 45.0 | STRONG_BUY | VACANCY | 53 | 24 |
| 36445 | 43.3 | STRONG_BUY | VACANCY | 51 | 25 |
| 36401 | 42.2 | STRONG_BUY | VACANCY | 53 | 25 |
| 36502 | 41.7 | STRONG_BUY | VACANCY | 45 | 29 |
| 36726 | 40.8 | STRONG_BUY | VACANCY | 37 | 25 |
| 36460 | 39.6 | PEAK_OPPORTUNITY | VACANCY | 38 | 25 |
| 36768 | 36.1 | EARLY_SIGNAL | VACANCY | — | 25 |
| 36751 | 36.1 | EARLY_SIGNAL | VACANCY | — | 27 |
| 36439 | 35.9 | EARLY_SIGNAL | VACANCY | — | 15 |
| 36480 | 35.7 | EARLY_SIGNAL | VACANCY | — | 25 |
DLRadar data · last update 10/21/2026, 9:40:49 PM
API: /api/economic-pulse/zip/36481
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.