ZIP
36545
AL · County 01025 · pop 8,596 (population)
39.1
Opportunity Index
PEAK_OPPORTUNITYNational rank #3021
Why This ZIP
ZIP 36545 ranks #3021 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 39.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36545 — 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 01025 — ZIP 36545 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01025 — ZIP 36545 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01025 — ZIP 36545 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 | 40.0 |
| Foreclosure / Delinquency | 36.0 |
| Property Stress | 29.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.1 |
| Construction Pressure | 16.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3021
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp39.6
Pulse score38.8
Signal Breakdown — 10 Categories
Vacancy
28.8
Auction / REO
—
Construction Pressure
16.7
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
40.0
Bank Institutional
61.1
Insurance Distress
0.0
Foreclosure / Delinquency
36.0
Top-Line Metrics
Avg DOM (days)
120.8
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
28.8%
Bank Score
61.1
Insurance Score
0.0
Listings Discount
40.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36545 | 38.8 | 29.7 | 0.0 | 40.0 |
| County 01025 | 37.0 | 28.7 | 0.0 | 26.6 |
| AL state avg | 34.3 | 21.1 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 36784 | 41.9 | STRONG_BUY | VACANCY | 54 | 27 |
| 36451 | 36.6 | OVERHEATED | VACANCY | — | 29 |
| 36751 | 35.8 | EARLY_SIGNAL | VACANCY | — | 26 |
| 36482 | 35.1 | EARLY_SIGNAL | VACANCY | — | 28 |
| 36524 | 34.3 | EARLY_SIGNAL | VACANCY | — | 29 |
| 36446 | 34.3 | EARLY_SIGNAL | VACANCY | — | 29 |
| 36727 | 32.1 | EARLY_SIGNAL | VACANCY | — | 29 |
| 36540 | 31.1 | EARLY_SIGNAL | VACANCY | — | 20 |
| 36436 | 30.2 | WEAK | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36545
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.