ZIP
50638
IA · County 19075 · pop 3,474 (population)
33.2
Opportunity Index
EARLY_SIGNALNational rank #14022
Why This ZIP
ZIP 50638 ranks #14022 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 50638 — 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 19075 — ZIP 50638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19075 — ZIP 50638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19075 — ZIP 50638 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 | 51.0 |
| Vacancy | 6.6 |
| Property Stress | 5.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.6 |
| Construction Pressure | 56.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14022
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp39.5
Pulse score29.0
Signal Breakdown — 10 Categories
Vacancy
6.6
Auction / REO
—
Construction Pressure
56.3
FL Deep Bonus
—
Property Stress
5.0
HOA / Federal Liens
—
Listings Discount
51.0
Bank Institutional
59.6
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
127.5
Price Cut %
25.3%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
6.6%
Bank Score
59.6
Insurance Score
0.0
Listings Discount
51.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 50638 | 29.0 | 4.0 | 0.0 | 51.0 |
| County 19075 | 27.5 | 6.8 | 0.0 | 19.9 |
| 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 |
|---|---|---|---|---|---|
| 50604 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 53 | 15 |
| 50672 | 37.5 | PEAK_OPPORTUNITY | VACANCY | 55 | 14 |
| 50627 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 46 | 13 |
| 50621 | 35.1 | WATCHLIST | VACANCY | 51 | 6 |
| 50665 | 33.0 | EARLY_SIGNAL | VACANCY | — | 13 |
| 50601 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
| 50669 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 9 |
| 50660 | 29.8 | WEAK | VACANCY | — | 15 |
| 50609 | 29.7 | WEAK | BANK_INSTITUTIONAL | — | 8 |
| 50643 | 28.7 | WEAK | BANK_INSTITUTIONAL | — | 8 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/50638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.