ZIP
36865
AL · County 01081 · pop 48 (population)
27.2
Opportunity Index
WEAKNational rank #28693
Why This ZIP
ZIP 36865 ranks #28693 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 36.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 36865 — 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 01081 — ZIP 36865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01081 — ZIP 36865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01081 — ZIP 36865 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 |
| Vacancy | 17.6 |
| Property Stress | 14.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 31.5 |
| Construction Pressure | 7.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#28693
PhaseWEAK
Primary driverVACANCY
Capital opp36.5
Pulse score21.0
Signal Breakdown — 10 Categories
Vacancy
17.6
Auction / REO
—
Construction Pressure
7.1
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
17.6%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36865 | 21.0 | 11.4 | 0.0 | — |
| County 01081 | 30.3 | 20.9 | 0.0 | 33.3 |
| 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 |
| 36854 | 36.1 | WATCHLIST | VACANCY | 39 | 23 |
| 36852 | 36.1 | WATCHLIST | VACANCY | 50 | 23 |
| 36874 | 35.7 | WATCHLIST | VACANCY | 48 | 24 |
| 36832 | 35.3 | EARLY_SIGNAL | VACANCY | 34 | 24 |
| 36804 | 34.2 | WATCHLIST | VACANCY | 42 | 24 |
| 36830 | 34.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 25 |
| 36870 | 33.9 | WATCHLIST | LISTINGS_DISCOUNT | 47 | 23 |
| 36879 | 33.0 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 44 | 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/36865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.