ZIP
36851
AL · County 01113 · pop 0 (equal)
26.3
Opportunity Index
WEAKNational rank #30142
Why This ZIP
ZIP 36851 ranks #30142 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.7, signal coverage 5/10 (63% data coverage, MEDIUM confidence).
ZIP 36851 — 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 01113 — ZIP 36851 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01113 — ZIP 36851 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01113 — ZIP 36851 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
| Foreclosure / Delinquency | 19.0 |
| Property Stress | 12.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 44.2 |
| Bank Institutional | 33.5 |
⚠ Missing Data
VacancyAuction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 63%
Confidence: MEDIUM
⇅ Rank
National rank#30142
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp35.7
Pulse score20.0
Signal Breakdown — 10 Categories
Vacancy
—
Auction / REO
—
Construction Pressure
44.2
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
33.5
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
—%
Bank Score
33.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36851 | 20.0 | 11.4 | 0.0 | — |
| County 01113 | 29.6 | 21.2 | 0.0 | 38.2 |
| 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 |
|---|---|---|---|---|---|
| 36027 | 40.4 | OVERHEATED | VACANCY | 34 | 31 |
| 36871 | 37.9 | PEAK_OPPORTUNITY | VACANCY | 46 | 22 |
| 36869 | 37.0 | PEAK_OPPORTUNITY | VACANCY | 48 | 22 |
| 36874 | 35.7 | WATCHLIST | VACANCY | 48 | 24 |
| 36875 | 35.6 | WATCHLIST | VACANCY | 43 | 22 |
| 36856 | 35.2 | WATCHLIST | LISTINGS_DISCOUNT | 46 | 22 |
| 36804 | 34.2 | WATCHLIST | VACANCY | 42 | 24 |
| 36870 | 33.9 | WATCHLIST | LISTINGS_DISCOUNT | 47 | 23 |
| 36860 | 33.6 | EARLY_SIGNAL | VACANCY | — | 23 |
| 36877 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 26 | 24 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36851
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.