ZIP
50438
IA · County 19081 · pop 4,006 (population)
31.4
Opportunity Index
EARLY_SIGNALNational rank #18851
Why This ZIP
ZIP 50438 ranks #18851 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 50438 — 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 19081 — ZIP 50438 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19081 — ZIP 50438 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19081 — ZIP 50438 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
| Property Stress | 13.0 |
| Foreclosure / Delinquency | 13.0 |
| Vacancy | 3.1 |
▼ Top 3 Risk Signals
| Construction Pressure | 93.5 |
| Bank Institutional | 62.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#18851
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.2
Pulse score32.2
Signal Breakdown — 10 Categories
Vacancy
3.1
Auction / REO
—
Construction Pressure
93.5
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
62.0
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
3.1%
Bank Score
62.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 50438 | 32.2 | 11.7 | 0.0 | — |
| County 19081 | 33.9 | 12.3 | 0.0 | 24.3 |
| IA state avg | 30.2 | 12.2 | 0.0 | 27.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 50484 | 42.5 | STRONG_BUY | VACANCY | 61 | 13 |
| 50430 | 42.4 | STRONG_BUY | VACANCY | 62 | 14 |
| 50423 | 41.2 | STRONG_BUY | VACANCY | 60 | 13 |
| 50482 | 41.1 | STRONG_BUY | VACANCY | 52 | 12 |
| 50436 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 13 |
| 50480 | 35.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 50457 | 33.2 | EARLY_SIGNAL | VACANCY | — | 15 |
| 50447 | 32.5 | EARLY_SIGNAL | VACANCY | — | 21 |
| 50483 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 50439 | 30.2 | WEAK | VACANCY | — | 13 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/50438
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.