ZIP
51649
IA · County 19071 · pop 416 (population)
30.9
Opportunity Index
EARLY_SIGNALNational rank #20218
Why This ZIP
ZIP 51649 ranks #20218 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 25.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 51649 — 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 19071 — ZIP 51649 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19071 — ZIP 51649 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19071 — ZIP 51649 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 | 10.0 |
| Vacancy | 5.5 |
▼ Top 3 Risk Signals
| Bank Institutional | 80.9 |
| Construction Pressure | 70.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#20218
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp25.8
Pulse score34.3
Signal Breakdown — 10 Categories
Vacancy
5.5
Auction / REO
—
Construction Pressure
70.0
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
80.9
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
5.5%
Bank Score
80.9
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 51649 | 34.3 | 8.4 | 0.0 | — |
| County 19071 | 32.3 | 9.4 | 0.0 | 23.1 |
| 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 |
|---|---|---|---|---|---|
| 51652 | 38.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 58 | 10 |
| 51601 | 35.8 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 11 |
| 51640 | 32.2 | EARLY_SIGNAL | VACANCY | — | 11 |
| 51653 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 10 |
| 51639 | 30.1 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 51650 | 29.9 | WEAK | VACANCY | — | 10 |
| 51648 | 28.3 | WEAK | VACANCY | — | 10 |
| 51654 | 28.0 | WEAK | VACANCY | — | 10 |
| 51647 | 26.5 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 51645 | 26.4 | WEAK | BANK_INSTITUTIONAL | — | 9 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/51649
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.