ZIP
51040
IA · County 19133 · pop 3,388 (population)
43.6
Opportunity Index
STRONG_BUYNational rank #495
Why This ZIP
ZIP 51040 ranks #495 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 44.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 51040 — 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 19133 — ZIP 51040 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19133 — ZIP 51040 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19133 — ZIP 51040 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 | 48.5 |
| Foreclosure / Delinquency | 40.0 |
| Property Stress | 31.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 94.4 |
| Bank Institutional | 55.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#495
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp44.6
Pulse score42.9
Signal Breakdown — 10 Categories
Vacancy
9.5
Auction / REO
—
Construction Pressure
94.4
FL Deep Bonus
—
Property Stress
31.0
HOA / Federal Liens
—
Listings Discount
48.5
Bank Institutional
55.2
Insurance Distress
0.0
Foreclosure / Delinquency
40.0
Top-Line Metrics
Avg DOM (days)
126.0
Price Cut %
29.5%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
9.5%
Bank Score
55.2
Insurance Score
0.0
Listings Discount
48.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51040 | 42.9 | 32.6 | 0.0 | 48.5 |
| County 19133 | 40.9 | 30.0 | 0.0 | 19.9 |
| IA state avg | 30.3 | 12.5 | 0.0 | 27.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 51010 | 47.0 | STRONG_BUY | VACANCY | 64 | 31 |
| 51558 | 40.9 | OVERHEATED | VACANCY | — | 29 |
| 51060 | 40.0 | OVERHEATED | VACANCY | — | 29 |
| 51063 | 40.0 | OVERHEATED | BANK_INSTITUTIONAL | — | 31 |
| 51572 | 39.5 | OVERHEATED | BANK_INSTITUTIONAL | — | 31 |
| 51034 | 37.4 | OVERHEATED | VACANCY | — | 27 |
| 51051 | 35.2 | EARLY_SIGNAL | FORECLOSURE_DELINQUENCY | — | 31 |
| 51523 | 35.1 | EARLY_SIGNAL | FORECLOSURE_DELINQUENCY | — | 29 |
| 51055 | 33.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 51545 | 32.9 | EARLY_SIGNAL | VACANCY | — | 21 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/51040
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.