ZIP
36861
AL · County 01123 · pop 2,805 (population)
33.7
Opportunity Index
EARLY_SIGNALNational rank #12742
Why This ZIP
ZIP 36861 ranks #12742 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 36861 — 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 01123 — ZIP 36861 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01123 — ZIP 36861 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01123 — ZIP 36861 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 | 42.7 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 24.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 38.3 |
| Bank Institutional | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#12742
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.2
Pulse score30.7
Signal Breakdown — 10 Categories
Vacancy
42.7
Auction / REO
—
Construction Pressure
38.3
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
33.0
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
42.7%
Bank Score
33.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36861 | 30.7 | 24.6 | 0.0 | — |
| County 01123 | 36.6 | 24.4 | 0.0 | 34.1 |
| 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 |
|---|---|---|---|---|---|
| 36866 | 41.8 | STRONG_BUY | BANK_INSTITUTIONAL | 57 | 26 |
| 35072 | 41.5 | STRONG_BUY | VACANCY | 59 | 23 |
| 36276 | 40.8 | STRONG_BUY | VACANCY | 41 | 36 |
| 36078 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 52 | 23 |
| 35010 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 40 | 24 |
| 36853 | 38.2 | PEAK_OPPORTUNITY | VACANCY | 38 | 24 |
| 36255 | 35.4 | EARLY_SIGNAL | VACANCY | — | 23 |
| 36879 | 33.0 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 44 | 23 |
| 36256 | 32.7 | EARLY_SIGNAL | VACANCY | — | 24 |
| 36850 | 32.3 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36861
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.