ZIP
36866
AL · County 01087 · pop 3,540 (population)
41.8
Opportunity Index
STRONG_BUYNational rank #1056
Why This ZIP
ZIP 36866 ranks #1056 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 42.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 36866 — 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 01087 — ZIP 36866 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 01087 — ZIP 36866 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 01087 — ZIP 36866 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 | 56.9 |
| Foreclosure / Delinquency | 27.0 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 75.7 |
| Construction Pressure | 14.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1056
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp42.9
Pulse score41.0
Signal Breakdown — 10 Categories
Vacancy
14.8
Auction / REO
—
Construction Pressure
14.2
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
56.9
Bank Institutional
75.7
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
7.0
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
14.8%
Bank Score
75.7
Insurance Score
0.0
Listings Discount
56.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 36866 | 41.0 | 24.3 | 0.0 | 56.9 |
| County 01087 | 34.5 | 23.4 | 0.0 | 39.0 |
| 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 |
|---|---|---|---|---|---|
| 36083 | 41.0 | STRONG_BUY | VACANCY | 49 | 27 |
| 36078 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 52 | 23 |
| 36075 | 39.6 | PEAK_OPPORTUNITY | VACANCY | 56 | 27 |
| 36088 | 38.2 | PEAK_OPPORTUNITY | VACANCY | 46 | 27 |
| 36089 | 35.6 | EARLY_SIGNAL | VACANCY | — | 23 |
| 36832 | 35.3 | EARLY_SIGNAL | VACANCY | 34 | 24 |
| 36804 | 34.2 | WATCHLIST | VACANCY | 42 | 24 |
| 36830 | 34.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 25 |
| 36031 | 33.7 | EARLY_SIGNAL | VACANCY | — | 27 |
| 36860 | 33.6 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/36866
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.