ZIP
50539
IA · County 19109 · pop 470 (population)
36.8
Opportunity Index
OVERHEATEDNational rank #6074
Why This ZIP
ZIP 50539 ranks #6074 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 30.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 50539 — 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 19109 — ZIP 50539 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19109 — ZIP 50539 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19109 — ZIP 50539 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 | 19.3 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 17.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 66.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#6074
PhaseOVERHEATED
Primary driverVACANCY
Capital opp30.1
Pulse score41.3
Signal Breakdown — 10 Categories
Vacancy
19.3
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
66.3
Insurance Distress
0.0
Foreclosure / Delinquency
17.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
19.3%
Bank Score
66.3
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 50539 | 41.3 | 15.8 | 0.0 | — |
| County 19109 | 35.7 | 15.0 | 0.0 | 23.8 |
| 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 |
|---|---|---|---|---|---|
| 50597 | 43.2 | STRONG_BUY | VACANCY | 59 | 20 |
| 50430 | 42.8 | STRONG_BUY | VACANCY | 62 | 15 |
| 50484 | 42.6 | STRONG_BUY | VACANCY | 61 | 13 |
| 50522 | 42.2 | STRONG_BUY | VACANCY | 63 | 16 |
| 50519 | 36.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 25 |
| 50517 | 35.9 | EARLY_SIGNAL | VACANCY | — | 16 |
| 50511 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 16 |
| 50598 | 35.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 50480 | 35.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 50590 | 35.4 | EARLY_SIGNAL | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/50539
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.