ZIP
51109
IA · County 19149 · pop 3,731 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14494
Why This ZIP
ZIP 51109 ranks #14494 nationally with phase EARLY_SIGNAL. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 45.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 51109 — 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 19149 — ZIP 51109 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19149 — ZIP 51109 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19149 — ZIP 51109 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 | 47.6 |
| Property Stress | 12.0 |
| Foreclosure / Delinquency | 6.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 76.2 |
| Bank Institutional | 27.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14494
PhaseEARLY_SIGNAL
Primary driverLISTINGS_DISCOUNT
Capital opp45.9
Pulse score24.4
Signal Breakdown — 10 Categories
Vacancy
2.8
Auction / REO
—
Construction Pressure
76.2
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
47.6
Bank Institutional
27.5
Insurance Distress
0.0
Foreclosure / Delinquency
6.0
Top-Line Metrics
Avg DOM (days)
162.5
Price Cut %
16.7%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
2.8%
Bank Score
27.5
Insurance Score
0.0
Listings Discount
47.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51109 | 24.4 | 10.1 | 0.0 | 47.6 |
| County 19149 | 27.5 | 9.9 | 0.0 | 18.5 |
| 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 |
|---|---|---|---|---|---|
| 51048 | 33.9 | EARLY_SIGNAL | VACANCY | — | 15 |
| 51038 | 32.6 | EARLY_SIGNAL | VACANCY | — | 12 |
| 51008 | 30.7 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 51001 | 30.6 | WEAK | BANK_INSTITUTIONAL | 29 | 11 |
| 51028 | 30.5 | WEAK | BANK_INSTITUTIONAL | 25 | 12 |
| 51050 | 30.2 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 51027 | 29.2 | WEAK | VACANCY | — | 13 |
| 51024 | 29.1 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 51031 | 28.8 | WEAK | BANK_INSTITUTIONAL | 24 | 12 |
| 51022 | 28.8 | WEAK | BANK_INSTITUTIONAL | — | 16 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/51109
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.