ZIP
51638
IA · County 19145 · pop 1,278 (population)
31.4
Opportunity Index
EARLY_SIGNALNational rank #18796
Why This ZIP
ZIP 51638 ranks #18796 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 28.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 51638 — 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 19145 — ZIP 51638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19145 — ZIP 51638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19145 — ZIP 51638 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 | 18.0 |
| Property Stress | 13.0 |
| Vacancy | 9.2 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.9 |
| Construction Pressure | 59.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#18796
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp28.6
Pulse score33.3
Signal Breakdown — 10 Categories
Vacancy
9.2
Auction / REO
—
Construction Pressure
59.9
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
69.9
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
9.2%
Bank Score
69.9
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51638 | 33.3 | 12.2 | 0.0 | — |
| County 19145 | 31.8 | 11.8 | 0.0 | 28.1 |
| 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 |
|---|---|---|---|---|---|
| 51601 | 35.8 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 11 |
| 51632 | 32.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 12 |
| 51651 | 30.6 | WEAK | VACANCY | — | 12 |
| 51630 | 29.9 | WEAK | VACANCY | — | 12 |
| 50864 | 29.6 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 51631 | 29.5 | WEAK | VACANCY | — | 12 |
| 51566 | 29.2 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 51636 | 28.9 | WEAK | VACANCY | — | 12 |
| 51637 | 27.4 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 51647 | 26.5 | WEAK | BANK_INSTITUTIONAL | — | 10 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/51638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.