ZIP
51012
IA · County 19035 · pop 6,313 (population)
33.3
Opportunity Index
EARLY_SIGNALNational rank #13758
Why This ZIP
ZIP 51012 ranks #13758 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 51012 — 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 19035 — ZIP 51012 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19035 — ZIP 51012 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19035 — ZIP 51012 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 | 46.5 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 14.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.5 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#13758
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp40.1
Pulse score28.8
Signal Breakdown — 10 Categories
Vacancy
6.9
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
46.5
Bank Institutional
59.5
Insurance Distress
0.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
110.8
Price Cut %
17.7%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
6.9%
Bank Score
59.5
Insurance Score
0.0
Listings Discount
46.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51012 | 28.8 | 15.7 | 0.0 | 46.5 |
| County 19035 | 27.8 | 15.4 | 0.0 | 25.0 |
| 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 |
|---|---|---|---|---|---|
| 51046 | 42.4 | STRONG_BUY | VACANCY | 57 | 18 |
| 51058 | 36.1 | EARLY_SIGNAL | VACANCY | — | 19 |
| 51047 | 35.6 | EARLY_SIGNAL | VACANCY | — | 18 |
| 51002 | 33.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 51048 | 33.7 | EARLY_SIGNAL | VACANCY | — | 14 |
| 51005 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 51020 | 30.7 | WEAK | VACANCY | — | 11 |
| 51037 | 28.5 | WEAK | VACANCY | — | 17 |
| 51035 | 28.3 | WEAK | BANK_INSTITUTIONAL | — | 17 |
| 51061 | 28.1 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/51012
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.