ZIP
50645
IA · County 19037 · pop 1,301 (population)
24.8
Opportunity Index
WEAKNational rank #31943
Why This ZIP
ZIP 50645 ranks #31943 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 36.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 50645 — 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 19037 — ZIP 50645 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19037 — ZIP 50645 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19037 — ZIP 50645 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 | 14.8 |
| Foreclosure / Delinquency | 12.0 |
| Property Stress | 10.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#31943
PhaseWEAK
Primary driverVACANCY
Capital opp36.2
Pulse score17.2
Signal Breakdown — 10 Categories
Vacancy
14.8
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
14.8%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 50645 | 17.2 | 8.8 | 0.0 | — |
| County 19037 | 25.5 | 9.7 | 0.0 | 27.4 |
| IA state avg | 30.2 | 12.2 | 0.0 | 27.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 50616 | 35.8 | WATCHLIST | BANK_INSTITUTIONAL | 54 | 18 |
| 50659 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 49 | 10 |
| 52171 | 30.0 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 50658 | 28.6 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 52154 | 28.2 | WEAK | VACANCY | — | 10 |
| 50674 | 27.9 | WEAK | BANK_INSTITUTIONAL | — | 11 |
| 50630 | 25.9 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 50603 | 24.0 | WEAK | BANK_INSTITUTIONAL | — | 11 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/50645
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.