ZIP
81631
CO · County 08037 · pop 8,676 (population)
34.7
Opportunity Index
EARLY_SIGNALNational rank #10345
Why This ZIP
ZIP 81631 ranks #10345 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 32.7, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 81631 — 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 08037 — ZIP 81631 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 08037 — ZIP 81631 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 08037 — ZIP 81631 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 | 45.0 |
| Property Stress | 25.0 |
| Vacancy | 6.6 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.6 |
| Construction Pressure | 45.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#10345
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp32.7
Pulse score36.1
Signal Breakdown — 10 Categories
Vacancy
6.6
Auction / REO
—
Construction Pressure
45.8
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
61.6
Insurance Distress
0.0
Foreclosure / Delinquency
45.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
6.6%
Bank Score
61.6
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 81631 | 36.1 | 30.2 | 0.0 | — |
| County 08037 | 34.4 | 29.1 | 0.0 | 2.6 |
| CO state avg | 27.5 | 12.3 | 1.0 | 24.2 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 80463 | 36.0 | EARLY_SIGNAL | VACANCY | — | 23 |
| 80426 | 35.2 | EARLY_SIGNAL | VACANCY | — | 25 |
| 81645 | 35.2 | EARLY_SIGNAL | VACANCY | — | 25 |
| 81655 | 35.2 | EARLY_SIGNAL | VACANCY | — | 25 |
| 80423 | 34.0 | EARLY_SIGNAL | VACANCY | — | 21 |
| 81649 | 33.8 | EARLY_SIGNAL | VACANCY | — | 21 |
| 81620 | 30.9 | EARLY_SIGNAL | VACANCY | 3 | 25 |
| 81657 | 30.7 | WEAK | VACANCY | 2 | 25 |
| 81632 | 30.7 | WEAK | VACANCY | 3 | 25 |
| 81621 | 29.8 | WEAK | VACANCY | 3 | 25 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/81631
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.