ZIP
81650
CO · County 08103 · pop 14,071 (population)
28.4
Opportunity Index
WEAKNational rank #26294
Why This ZIP
ZIP 81650 ranks #26294 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.4, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 81650 — 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 08103 — ZIP 81650 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 08103 — ZIP 81650 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 08103 — ZIP 81650 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 | 21.0 |
| Property Stress | 15.0 |
| Vacancy | 5.1 |
▼ Top 3 Risk Signals
| Bank Institutional | 63.1 |
| Construction Pressure | 10.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#26294
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp30.4
Pulse score27.1
Signal Breakdown — 10 Categories
Vacancy
5.1
Auction / REO
—
Construction Pressure
10.5
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
63.1
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
5.1%
Bank Score
63.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 81650 | 27.1 | 16.6 | 0.0 | — |
| County 08103 | 29.9 | 18.7 | 0.0 | 2.1 |
| CO state avg | 27.5 | 12.3 | 1.0 | 24.2 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (3)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 80467 | 38.6 | OVERHEATED | VACANCY | 30 | 22 |
| 81648 | 34.1 | EARLY_SIGNAL | VACANCY | — | 20 |
| 81641 | 28.7 | WEAK | VACANCY | 9 | 20 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/81650
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.