ZIP
36535
AL · County 01003 · pop 38,401 (population)
36.7
Opportunity Index
OVERHEATEDNational rank #6192
Why This ZIP
ZIP 36535 ranks #6192 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36535 — 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 01003 — ZIP 36535 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01003 — ZIP 36535 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01003 — ZIP 36535 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 | 31.2 |
| Property Stress | 30.0 |
| Foreclosure / Delinquency | 28.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 54.2 |
| Construction Pressure | 51.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6192
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp37.7
Pulse score36.0
Signal Breakdown — 10 Categories
Vacancy
10.5
Auction / REO
—
Construction Pressure
51.0
FL Deep Bonus
—
Property Stress
30.0
HOA / Federal Liens
—
Listings Discount
31.2
Bank Institutional
54.2
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
78.3
Price Cut %
—%
Short-Sale Listings
4
Auction Events 90d
—
Vacancy %
10.5%
Bank Score
54.2
Insurance Score
0.0
Listings Discount
31.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36535 | 36.0 | 28.6 | 0.0 | 31.2 |
| County 01003 | 37.7 | 28.5 | 0.0 | 36.8 |
| 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 |
|---|---|---|---|---|---|
| 36579 | 43.9 | STRONG_BUY | VACANCY | 60 | 30 |
| 36549 | 42.3 | STRONG_BUY | VACANCY | 47 | 30 |
| 36502 | 41.6 | STRONG_BUY | VACANCY | 44 | 29 |
| 36576 | 41.4 | STRONG_BUY | BANK_INSTITUTIONAL | 48 | 30 |
| 36530 | 40.7 | STRONG_BUY | VACANCY | 40 | 30 |
| 36551 | 40.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 30 |
| 36542 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 39 | 30 |
| 36527 | 40.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 30 |
| 36580 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 40 | 30 |
| 36567 | 39.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 30 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36535
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.