ZIP
50538
IA · County 19025 · pop 523 (population)
33.7
Opportunity Index
EARLY_SIGNALNational rank #12776
Why This ZIP
ZIP 50538 ranks #12776 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 33.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 50538 — 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 19025 — ZIP 50538 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19025 — ZIP 50538 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19025 — ZIP 50538 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 | 34.0 |
| Property Stress | 23.0 |
| Vacancy | 5.7 |
▼ Top 3 Risk Signals
| Construction Pressure | 60.6 |
| Bank Institutional | 55.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#12776
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp33.5
Pulse score33.9
Signal Breakdown — 10 Categories
Vacancy
5.7
Auction / REO
—
Construction Pressure
60.6
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
55.5
Insurance Distress
0.0
Foreclosure / Delinquency
34.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
5.7%
Bank Score
55.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 50538 | 33.9 | 25.0 | 0.0 | — |
| County 19025 | 38.9 | 24.7 | 0.0 | 5.7 |
| IA state avg | 30.4 | 12.7 | 0.0 | 27.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 50050 | 39.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 58 | 10 |
| 51453 | 38.9 | OVERHEATED | VACANCY | — | 23 |
| 50579 | 38.6 | OVERHEATED | VACANCY | — | 25 |
| 50575 | 38.4 | OVERHEATED | VACANCY | — | 22 |
| 50540 | 36.8 | OVERHEATED | BANK_INSTITUTIONAL | — | 21 |
| 51449 | 36.5 | OVERHEATED | VACANCY | — | 23 |
| 50563 | 36.3 | EARLY_SIGNAL | VACANCY | 30 | 22 |
| 50552 | 36.0 | EARLY_SIGNAL | VACANCY | — | 25 |
| 50586 | 34.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 23 |
| 50561 | 34.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/50538
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.