ZIP Intelligence™
Long-Horizon ZIP-Level Market Analysis
ZIP Intelligence™ is one of the core analytical tools within the CB Intelligence™ platform. It provides structured, long-horizon zip code real estate analysis of U.S. housing markets at the ZIP-code level, designed for real estate professionals, buyers, and investors who need historical context before making long-term decisions.
ZIP Intelligence™ does not rank ZIP codes. It does not forecast prices. It provides historical perspective on how markets actually behave over time.
What ZIP Intelligence™ Is Designed to Answer
Each ZIP Intelligence™ report is built around a single, practical question:
How has this ZIP historically behaved across expansions, downturns, and recoveries—and what does that imply for long-term risk, resilience, and decision-making?
Rather than focusing on short-term trends or headline metrics, ZIP Intelligence™ examines how a location has performed across multiple market cycles, often spanning 30 to 50 years of data.
What ZIP Intelligence™ Covers
ZIP Intelligence™ focuses on structural market behavior and long-term durability.
Each report typically includes:
• Multi-decade pricing behavior across multiple housing cycles
• Peak-to-trough drawdowns during past downturns
• Speed, consistency, and quality of recovery following market stress
• Volatility patterns relative to nearby and comparable ZIP codes
• Structural drivers that support or weaken long-term resilience, such as housing mix, demand characteristics, and neighborhood context
Most real estate platforms present raw data points and charts. ZIP Intelligence™ goes further by interpreting that data and summarizing what it means in clear, plain language.
This interpretation is designed to be advisor-ready, saving real estate professionals the time and effort of assembling and explaining long-term market narratives on their own.
How ZIP Intelligence™ Is Used
ZIP Intelligence™ is intended to complement traditional real estate tools, not replace them.
It is commonly used:
• Alongside MLS data, comps, and active listings
• During buyer and investor consultations
• When evaluating timing risk and holding horizons
• To frame downside scenarios in uncertain or late-cycle markets
• To compare long-term stability across neighboring ZIP codes
The goal is not persuasion. The goal is clarity—especially when expectations need to be set thoughtfully and conservatively.
Relationship to ZIP Performance Analysis™
ZIP Intelligence™ focuses on explaining how and why a ZIP behaves the way it does over time.
For users who want deeper numerical insight into historical returns, volatility, and long-horizon performance metrics, CB Intelligence™ also offers a separate tool called ZIP Performance Analysis™.
ZIP Performance Analysis™ complements ZIP Intelligence™ by translating long-term behavior into quantitative performance measures.
Learn more about ZIP Performance Analysis™.
Available ZIP Intelligence™ Reports (10 Year)
California
ZIP 95008 — Campbell
A suburban Silicon Valley ZIP characterized by long-term owner-occupant stability, moderate volatility, and historically defined recovery behavior.
Additional ZIP codes are added on a rolling basis. Request a 10 year report here.
More sample analysis available here.
🔒Explore Advisor Access
Advisor Access unlocks deeper intelligence and insights for the ZIPs, including:
- advisor-ready framing language for client presentations
- comparative positioning versus adjacent, “hotter,” and “safer” ZIPs
- structural risk factors and caveats
- buyer-fit nuance by time horizon and capital objective
- access to ZIP Performance Analysis where available
Methodology & Data Approach
ZIP Intelligence™ relies on long-horizon housing price indices, i.e., FHFA House Price Index (HPI) and structural indicators. Data is indexed to emphasize market behavior rather than nominal price levels. Proxies are used intentionally to avoid false precision and overinterpretation.
Past behavior does not guarantee future results.
ZIP Intelligence™ provides historical analysis and educational context only. It does not constitute financial, legal, tax, or investment advice and does not substitute for MLS data, local disclosures, or professional due diligence.