ZIP
51440
IA · County 19027 · pop 335 (population)
28.3
Opportunity Index
WEAKNational rank #26538
Why This ZIP
ZIP 51440 ranks #26538 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 28.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 51440 — 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 19027 — ZIP 51440 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19027 — ZIP 51440 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19027 — ZIP 51440 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 | 12.0 |
| Property Stress | 9.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 67.6 |
| Construction Pressure | 65.4 |
⚠ Missing Data
VacancyAuction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#26538
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp28.3
Pulse score28.3
Signal Breakdown — 10 Categories
Vacancy
0.0
Auction / REO
—
Construction Pressure
65.4
FL Deep Bonus
—
Property Stress
9.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
67.6
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
0.0%
Bank Score
67.6
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51440 | 28.3 | 8.3 | 0.0 | — |
| County 19027 | 27.9 | 9.5 | 0.0 | 16.3 |
| 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 |
|---|---|---|---|---|---|
| 50050 | 39.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 58 | 10 |
| 51453 | 38.9 | OVERHEATED | VACANCY | — | 23 |
| 51449 | 36.5 | OVERHEATED | VACANCY | — | 23 |
| 51455 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 16 |
| 51467 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 51462 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 10 |
| 51436 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 12 |
| 51443 | 30.1 | WEAK | BANK_INSTITUTIONAL | — | 9 |
| 51451 | 29.3 | WEAK | VACANCY | — | 9 |
| 51463 | 29.0 | WEAK | BANK_INSTITUTIONAL | — | 9 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/51440
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.