ZIP
81637
CO · County 08045 · pop 10,344 (population)
25.6
Opportunity Index
WEAKNational rank #31084
Why This ZIP
ZIP 81637 ranks #31084 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 22.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 81637 — 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 08045 — ZIP 81637 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 08045 — ZIP 81637 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 08045 — ZIP 81637 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 | 29.0 |
| Property Stress | 17.0 |
| Listings Discount | 5.6 |
▼ Top 3 Risk Signals
| Bank Institutional | 65.2 |
| Construction Pressure | 36.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#31084
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp22.6
Pulse score27.6
Signal Breakdown — 10 Categories
Vacancy
4.7
Auction / REO
—
Construction Pressure
36.0
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
5.6
Bank Institutional
65.2
Insurance Distress
0.0
Foreclosure / Delinquency
29.0
Top-Line Metrics
Avg DOM (days)
119.0
Price Cut %
9.1%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
4.7%
Bank Score
65.2
Insurance Score
0.0
Listings Discount
5.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 81637 | 27.6 | 19.7 | 0.0 | 5.6 |
| County 08045 | 23.8 | 12.8 | 0.0 | 9.9 |
| CO state avg | 27.5 | 12.3 | 1.0 | 24.2 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 81630 | 30.5 | WEAK | VACANCY | 35 | 9 |
| 81650 | 28.4 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 81623 | 28.0 | WEAK | BANK_INSTITUTIONAL | 3 | 22 |
| 81647 | 25.8 | WEAK | BANK_INSTITUTIONAL | 21 | 9 |
| 81652 | 24.3 | WEAK | BANK_INSTITUTIONAL | 28 | 9 |
| 81635 | 23.2 | WEAK | BANK_INSTITUTIONAL | 10 | 9 |
| 81601 | 21.2 | WEAK | BANK_INSTITUTIONAL | 3 | 9 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/81637
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.