ZIP
51531
IA · County 19165 · pop 943 (population)
31.0
Opportunity Index
EARLY_SIGNALNational rank #19920
Why This ZIP
ZIP 51531 ranks #19920 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 51531 — 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 19165 — ZIP 51531 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19165 — ZIP 51531 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19165 — ZIP 51531 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 | 25.0 |
| Property Stress | 19.0 |
| Vacancy | 8.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 66.4 |
| Construction Pressure | 17.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19920
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.5
Pulse score31.3
Signal Breakdown — 10 Categories
Vacancy
8.3
Auction / REO
—
Construction Pressure
17.7
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
66.4
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
8.3%
Bank Score
66.4
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51531 | 31.3 | 19.3 | 0.0 | — |
| County 19165 | 31.3 | 16.4 | 0.0 | 27.1 |
| 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 |
|---|---|---|---|---|---|
| 51537 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 52 | 17 |
| 50022 | 34.8 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 11 |
| 51454 | 33.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 51543 | 33.6 | EARLY_SIGNAL | VACANCY | — | 24 |
| 51529 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 51455 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 15 |
| 51530 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 51577 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 51570 | 31.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 51521 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/51531
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.