ZIP
52638
IA · County 19057 · pop 427 (population)
31.2
Opportunity Index
EARLY_SIGNALNational rank #19374
Why This ZIP
ZIP 52638 ranks #19374 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 36.7, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 52638 — 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 19057 — ZIP 52638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19057 — ZIP 52638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19057 — ZIP 52638 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
| Vacancy | 22.3 |
| Property Stress | 15.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 59.6 |
| Bank Institutional | 31.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19374
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp36.7
Pulse score27.6
Signal Breakdown — 10 Categories
Vacancy
22.3
Auction / REO
—
Construction Pressure
59.6
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
22.3%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 52638 | 27.6 | 13.9 | 0.0 | — |
| County 19057 | 32.2 | 13.7 | 0.0 | 31.9 |
| IA state avg | 30.2 | 12.2 | 0.0 | 27.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 52601 | 35.5 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 15 |
| 52623 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 52637 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 52640 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
| 52645 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 11 |
| 52655 | 30.7 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 52650 | 27.2 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 52644 | 26.9 | WEAK | VACANCY | — | 10 |
| 52646 | 26.5 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 52658 | 25.8 | WEAK | BANK_INSTITUTIONAL | — | 9 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/52638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.