ZIP
81003
CO · County 08101 · pop 14,820 (population)
37.2
Opportunity Index
OVERHEATEDNational rank #5394
Why This ZIP
ZIP 81003 ranks #5394 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 81003 — 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 08101 — ZIP 81003 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 08101 — ZIP 81003 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 08101 — ZIP 81003 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
| Listings Discount | 34.9 |
| Property Stress | 17.0 |
| Vacancy | 9.2 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 56.8 |
| Insurance Distress | 42.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal Liens
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5394
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp36.4
Pulse score37.7
Signal Breakdown — 10 Categories
Vacancy
9.2
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
34.9
Bank Institutional
56.8
Insurance Distress
42.0
Foreclosure / Delinquency
7.0
Top-Line Metrics
Avg DOM (days)
110.2
Price Cut %
13.5%
Short-Sale Listings
19
Auction Events 90d
—
Vacancy %
9.2%
Bank Score
56.8
Insurance Score
42.0
Listings Discount
34.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 81003 | 37.7 | 10.6 | 42.0 | 34.9 |
| County 08101 | 35.6 | 10.6 | 39.8 | 32.9 |
| CO state avg | 27.5 | 12.3 | 1.0 | 24.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 81019 | 38.3 | OVERHEATED | VACANCY | — | 17 |
| 81039 | 37.1 | PEAK_OPPORTUNITY | VACANCY | 41 | 13 |
| 81007 | 36.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 17 |
| 81001 | 36.9 | OVERHEATED | BANK_INSTITUTIONAL | 34 | 17 |
| 81005 | 36.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 37 | 17 |
| 81069 | 36.3 | WATCHLIST | VACANCY | 40 | 15 |
| 81006 | 36.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 81004 | 36.1 | WATCHLIST | VACANCY | 36 | 17 |
| 81023 | 35.9 | EARLY_SIGNAL | VACANCY | 29 | 17 |
| 81025 | 35.7 | EARLY_SIGNAL | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/81003
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.