ZIP
52640
IA · County 19115 · pop 1,201 (population)
31.1
Opportunity Index
EARLY_SIGNALNational rank #19660
Why This ZIP
ZIP 52640 ranks #19660 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 29.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 52640 — 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 19115 — ZIP 52640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 19115 — ZIP 52640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 19115 — ZIP 52640 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 | 16.0 |
| Property Stress | 13.0 |
| Vacancy | 11.4 |
▼ Top 3 Risk Signals
| Bank Institutional | 65.7 |
| Construction Pressure | 50.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19660
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp29.5
Pulse score32.1
Signal Breakdown — 10 Categories
Vacancy
11.4
Auction / REO
—
Construction Pressure
50.0
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
65.7
Insurance Distress
0.0
Foreclosure / Delinquency
16.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
11.4%
Bank Score
65.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 52640 | 32.1 | 12.4 | 0.0 | — |
| County 19115 | 27.6 | 11.2 | 0.0 | 8.3 |
| 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 |
|---|---|---|---|---|---|
| 52755 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 49 | 10 |
| 52738 | 30.1 | WEAK | VACANCY | — | 12 |
| 52653 | 29.7 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 52761 | 29.2 | WEAK | BANK_INSTITUTIONAL | 35 | 11 |
| 52659 | 29.2 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 52752 | 27.0 | WEAK | VACANCY | — | 12 |
| 52621 | 26.8 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 52327 | 26.8 | WEAK | BANK_INSTITUTIONAL | — | 9 |
| 52646 | 26.5 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 52739 | 26.3 | WEAK | VACANCY | — | 12 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/52640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.