ZIP
81654
CO · County 08097 · pop 1,495 (population)
34.5
Opportunity Index
EARLY_SIGNALNational rank #10804
Why This ZIP
ZIP 81654 ranks #10804 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 81654 — 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 08097 — ZIP 81654 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 08097 — ZIP 81654 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 08097 — ZIP 81654 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 | 26.0 |
| Vacancy | 15.9 |
▼ Top 3 Risk Signals
| Construction Pressure | 41.9 |
| Bank Institutional | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#10804
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.6
Pulse score31.7
Signal Breakdown — 10 Categories
Vacancy
15.9
Auction / REO
—
Construction Pressure
41.9
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
33.0
Insurance Distress
0.0
Foreclosure / Delinquency
45.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
15.9%
Bank Score
33.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 81654 | 31.7 | 31.2 | 0.0 | — |
| County 08097 | 35.1 | 29.4 | 0.0 | 8.2 |
| 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 |
|---|---|---|---|---|---|
| 81615 | 38.4 | OVERHEATED | VACANCY | — | 26 |
| 81611 | 34.7 | EARLY_SIGNAL | VACANCY | 19 | 26 |
| 81642 | 33.6 | EARLY_SIGNAL | VACANCY | — | 21 |
| 81656 | 33.6 | EARLY_SIGNAL | VACANCY | — | 21 |
| 81621 | 29.8 | WEAK | VACANCY | 3 | 25 |
| 81612 | 29.6 | WEAK | BANK_INSTITUTIONAL | — | 21 |
| 81623 | 28.0 | WEAK | BANK_INSTITUTIONAL | 3 | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/81654
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.