ZIP
81040
CO · County 08055 · pop 328 (population)
30.2
Opportunity Index
WEAKNational rank #21981
Why This ZIP
ZIP 81040 ranks #21981 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 35.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 81040 — 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 08055 — ZIP 81040 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 08055 — ZIP 81040 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 08055 — ZIP 81040 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 | 63.3 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 13.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 39.3 |
| Bank Institutional | 37.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#21981
PhaseWEAK
Primary driverVACANCY
Capital opp35.2
Pulse score26.9
Signal Breakdown — 10 Categories
Vacancy
63.3
Auction / REO
—
Construction Pressure
39.3
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
37.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
63.3%
Bank Score
37.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 81040 | 26.9 | 15.0 | 0.0 | — |
| County 08055 | 33.7 | 17.5 | 0.0 | 31.4 |
| CO state avg | 27.5 | 12.3 | 1.0 | 24.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (3)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 81069 | 36.3 | WATCHLIST | VACANCY | 40 | 15 |
| 81089 | 35.2 | EARLY_SIGNAL | VACANCY | 33 | 16 |
| 81055 | 32.2 | EARLY_SIGNAL | VACANCY | 29 | 17 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/81040
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.