ZIP
36786
AL · County 01105 · pop 2,094 (population)
32.1
Opportunity Index
EARLY_SIGNALNational rank #16948
Why This ZIP
ZIP 36786 ranks #16948 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 40.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36786 — 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 01105 — ZIP 36786 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01105 — ZIP 36786 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01105 — ZIP 36786 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 | 33.0 |
| Property Stress | 21.0 |
| Foreclosure / Delinquency | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 33.5 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16948
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp40.7
Pulse score26.4
Signal Breakdown — 10 Categories
Vacancy
20.8
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
33.0
Bank Institutional
33.5
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
20.8%
Bank Score
33.5
Insurance Score
0.0
Listings Discount
33.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36786 | 26.4 | 19.6 | 0.0 | 33.0 |
| County 01105 | 37.7 | 20.8 | 0.0 | 42.8 |
| AL state avg | 34.3 | 21.1 | 0.0 | 36.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 36701 | 41.6 | STRONG_BUY | VACANCY | 46 | 22 |
| 36756 | 37.9 | PEAK_OPPORTUNITY | VACANCY | 52 | 20 |
| 36759 | 36.8 | OVERHEATED | VACANCY | — | 23 |
| 35034 | 34.7 | WATCHLIST | VACANCY | 38 | 23 |
| 35042 | 33.7 | EARLY_SIGNAL | VACANCY | 23 | 23 |
| 36744 | 33.3 | EARLY_SIGNAL | VACANCY | 21 | 27 |
| 36765 | 31.0 | EARLY_SIGNAL | VACANCY | — | 22 |
| 36793 | 30.0 | WEAK | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36786
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.