ZIP
51431
IA · County 19093 · pop 473 (population)
26.6
Opportunity Index
WEAKNational rank #29716
Why This ZIP
ZIP 51431 ranks #29716 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 27.9, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 51431 — 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 19093 — ZIP 51431 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19093 — ZIP 51431 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19093 — ZIP 51431 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
| Foreclosure / Delinquency | 13.0 |
| Property Stress | 10.0 |
| Vacancy | 3.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.4 |
| Construction Pressure | 14.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#29716
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp27.9
Pulse score25.8
Signal Breakdown — 10 Categories
Vacancy
3.3
Auction / REO
—
Construction Pressure
14.2
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
70.4
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
3.3%
Bank Score
70.4
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51431 | 25.8 | 9.1 | 0.0 | — |
| County 19093 | 29.2 | 9.5 | 0.0 | 20.4 |
| IA state avg | 30.4 | 12.7 | 0.0 | 27.9 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 51053 | 38.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 57 | 16 |
| 51445 | 34.8 | WATCHLIST | VACANCY | 55 | 10 |
| 51461 | 32.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 51016 | 32.0 | EARLY_SIGNAL | VACANCY | — | 14 |
| 51019 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 51448 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 51006 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 10 |
| 51020 | 30.9 | EARLY_SIGNAL | VACANCY | — | 12 |
| 51018 | 29.7 | WEAK | BANK_INSTITUTIONAL | — | 11 |
| 51061 | 28.2 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/51431
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.