Real Estate Market Stress Index (DLEconomicPulse) ZIP Opportunity Index

Bloomberg-style real estate opportunity market · counties + ZIPs ranked live · 33,775 ZIPs / 3,221 counties

This page is free. The county and ZIP drill-down pages, the history charts and the JSON feeds open with a plan: see pricing.

Backtest 2000–2024: 25% hit rate over 24 testable years (weak correlation). Years before 29 May 2026 are reconstructed from archived inputs; the live series starts that day. How the index is built.

last snapshot: 10/19/2026, 9:25:44 PM

methodology →

Market Stateconfidence HIGH

Macro: late-cycle, selective · pulse 31.0 · wave building — liquidity expanding — rates supportive — 21 institutional setups confirmed (multi-factor); 0 vacancy-only demoted to watch — alpha rotating across 5 regions.

Market Read

BUYERS MARKET · CONFIRMED ONLY

21 confirmed · 3 watch · 0 demoted

National Opportunity Index

31.0

/ 100 · weighted across 448M pop

SOFTENINGconfidence HIGHwave WAVE_BUILDING

Wave Engine

Rising6

Falling0

Compounding0

Cascade6

Wave detectedYES

Signal Volume (weekly)

last 12 weeks · 8 this week

Market Pulse Constituents

Each point is a ZIP inside the equation. Lines show the average; points show what caused it.loading…

Orange↔white gap = alpha / opportunity · White↔green gap = macro stress spread

— Composite lender capacity & willingness to lend

Hover any line on the chart to see the ZIPs driving it at that point in time.

— opportunity ZIPs (state-capped) · — ZIPs in true national (housing-weighted) · — healthy baseline ZIPs.

Loading national report card…

Investor Deployment Map

Ranked by Investment Quality Score — risk-adjusted capital deployment markets. This is where capital can deploy and exit fastest with strong demand and acceptable risk — not the most distressed ZIPs.

Top 100 Investment ZIPs (USA)

Price line = Investment Quality Score 0-100. Volume bars = rolling 7d signal volume.

This ranking is where capital can deploy and exit fastest with strong demand and acceptable risk — not the most distressed ZIPs.

0 ZIPs shown · Y=0-100 IQ

top 10 (hover):

How the index is built

Investment Quality Score (ZIP) combines six positive components (liquidity, demand strength, demographic strength, discount composite, investment velocity and buyer strength), then subtracts penalties for macro risk and dead markets, and is scaled to 0–100. Each input is a 0–100 score built from public data (FHFA house prices, CFPB mortgage performance, BLS employment and unemployment, Census demographics, FDIC bank condition, NFIP and FEMA insurance, listing feeds).

County score = the housing-unit-weighted mean of its ZIPs. Opportunity index and phase come from the same signal set weighted toward distress confluence and rotation; a ZIP whose only signal is vacancy is shown as a vacancy warning, not as confirmed distress.

Coverage: every ZIP code, county and state-level jurisdiction we score. Freshness: snapshots run hourly; rankings rebuild daily; CFPB mortgage performance arrives about ten months in arrears and is dated on every row.

Known limits: the backtest hit rate above is weak and is shown rather than hidden. The national auction count reads 0 because auction records carry no ZIP code today and the national figure is rolled up from ZIPs; it is not used as evidence of market activity here. Scores are deterministic formulas, not predictions, and no formula changes without a dated note on this page.

★ Top 25 Investment Counties

housing-weighted IQ rollup · liquidity + demand + demographic + discount − macro risk

condition: OPPORTUNITY · HUNT · WATCH · HIGH RISK

#	State	County FIPS	IQ	Verdict	Liq	Demand	Demo	Jobs	Unempl	DOM	Macro−	Deploy ZIPs	ZIPs
1	GA	13117	50.9	DEPLOY	75	40	74	38	3.0%	35d	−2.4	3	3
2	SD	46013	50.4	DEPLOY	76	40	69	60	1.9%	53d	−5.2	1	14
3	MI	26093	50.2	DEPLOY	77	41	67	35	4.2%	58d	−1.3	9	12
4	UT	49019	49.7	HUNT	67	42	73	100	2.9%	66d	−2.2	1	3
5	RI	44001	48.9	HUNT	73	40	74	73	2.6%	67d	−1.4	2	3
6	NE	31153	48.9	HUNT	74	39	69	50	2.9%	37d	−1.2	10	13
7	ND	38015	48.7	HUNT	76	39	71	53	2.2%	70d	−2.1	3	12
8	ND	38017	48.4	HUNT	75	39	68	55	2.3%	43d	−3.8	6	25
9	SD	46099	48.3	HUNT	70	40	72	63	1.9%	36d	−1.4	10	19
10	GA	13223	48.2	HUNT	66	39	72	45	3.4%	44d	−1.3	3	3
11	ID	16055	48.2	HUNT	74	38	70	63	4.0%	40d	−1.9	5	11
12	MO	29183	48.2	HUNT	71	40	72	38	3.2%	64d	−1.2	9	14
13	KY	21209	47.9	HUNT	82	38	56	8	4.7%	58d	−3.2	1	3
14	WV	54003	47.8	HUNT	72	40	63	48	3.8%	43d	−1.4	6	10
15	MI	26125	47.7	HUNT	73	40	60	30	4.6%	52d	−1.8	50	68
16	WY	56021	47.6	HUNT	69	39	75	75	2.7%	79d	−1.5	2	12
17	WY	56029	47.5	HUNT	74	37	76	93	2.5%	27d	−1.6	2	6
18	OK	40017	47.5	HUNT	67	38	66	38	3.9%	61d	−2.1	2	8
19	NE	31079	47.4	HUNT	74	39	68	63	3.0%	38d	−1.4	2	6
20	MI	26099	47.4	HUNT	72	40	60	33	5.3%	59d	−2.5	29	36
21	SD	46033	47.4	HUNT	66	44	67	68	2.1%	15d	−1.5	3	4
22	AR	05143	47.4	HUNT	75	39	60	38	3.7%	33d	−1.7	6	14
23	CT	09001	47.3	HUNT	57	65	65	50	—	75d	−1.6	29	46
24	SD	46103	47.3	HUNT	74	37	71	58	1.9%	18d	−3.9	4	9
25	GA	13057	47.3	HUNT	65	41	71	43	3.0%	52d	−1.8	5	7

Distress Opportunity Map

Where distress is concentrated — useful for sourcing acquisitions, but does NOT account for liquidity, demand, or exit risk. For capital deployment, use the Investment Quality Score above.

Top 25 Distress Opportunity Counties distress-driven · context only

full list →

#	State	County FIPS	Opp Index	Phase	7d Δ	Primary Driver	Disc	Stress	Bank	SS	ZIPs
1 ▸	FL	12047	48.7	STRONG_BUY	+0.9	VACANCY	53	51	57	1	3
2 ▸	FL	12015	47.7	STRONG_BUY	+0.6	VACANCY	39	51	55	190	17
3 ▸	FL	12071	45.5	STRONG_BUY	+0.8	VACANCY	38	49	52	289	38
4 ▸	FL	12115	44.3	STRONG_BUY	+0.6	VACANCY	37	46	55	179	28
5 ▸	KY	21197	43.6	STRONG_BUY	+1.0	CONSTRUCTION	38	43	72	2	4
6 ▸	TX	48307	43.4	STRONG_BUY	-0.2	VACANCY	45	39	54	2	7
7 ▸	FL	12013	43.2	STRONG_BUY	+0.5	VACANCY	49	43	37	6	8
8 ▸	AR	05103	43.1	STRONG_BUY	-0.1	VACANCY	46	35	58	4	8
8 ▸	LA	22041	43.1	STRONG_BUY	+1.1	VACANCY	30	48	56	0	7
10 ▸	TX	48271	42.8	STRONG_BUY	-0.2	CONSTRUCTION	61	23	71	0	1
11 ▸	LA	22095	42.6	STRONG_BUY	+0.9	CONSTRUCTION	51	39	47	12	6
11 ▸	AR	05141	42.6	STRONG_BUY	—	VACANCY	49	35	44	13	14
13 ▸	AR	05013	42.4	STRONG_BUY	—	VACANCY	53	28	64	7	6
14 ▸	KY	21065	41.8	STRONG_BUY	+1.0	CONSTRUCTION	55	29	67	7	5
15 ▸	MS	28099	41.7	STRONG_BUY	+0.1	VACANCY	53	33	63	6	8
16 ▸	GA	13025	41.6	STRONG_BUY	+0.7	VACANCY	29	51	33	2	6
17 ▸	KY	21033	41.2	STRONG_BUY	+0.9	BANK_INSTITUTIONAL	58	31	65	3	6
19 ▸	KY	21051	41.0	STRONG_BUY	+0.9	CONSTRUCTION	47	32	64	8	10
19 ▸	TX	48249	41.0	STRONG_BUY	-0.2	VACANCY	52	28	59	9	8
21 ▸	MI	26039	40.4	STRONG_BUY	+0.4	VACANCY	53	27	58	4	4
22 ▸	TX	48395	40.3	STRONG_BUY	-0.3	VACANCY	40	44	54	2	10
24 ▸	KS	20075	40.1	STRONG_BUY	+0.3	CONSTRUCTION	54	20	63	1	4
25 ▸	AR	05049	39.9	STRONG_BUY	-0.1	VACANCY	38	43	54	12	14
26 ▸	GA	13141	39.7	STRONG_BUY	+1.6	VACANCY	50	28	65	1	5
26 ▸	FL	12091	39.7	STRONG_BUY	+0.1	VACANCY	47	42	56	51	14

⚡ Peak Distress Counties

St	FIPS	Opp	Disc
VA	51580	36.2	53
WV	54087	36.2	36
IN	18041	36.2	54
VA	51035	36.2	45
VT	50027	36.2	32
TX	48361	36.2	49
NM	35027	36.2	30
NC	37115	36.2	35
SC	45013	36.2	30
NC	37155	36.1	46
AR	05111	36.1	46
ND	38057	36.1	36
TX	48373	36.1	40
KY	21025	36.1	46
VA	51045	36.1	43

▲ Fastest Rising Distress (30d)

St	FIPS	Opp	Δ30d
KS	20111	37.2	+9.2
AR	05107	42.3	+8.6
MT	30085	41.6	+7.8
KY	21195	38.7	+7.5
UT	49047	35.0	+7.4
KS	20017	38.2	+7.0
MN	27061	37.6	+6.4
AL	01077	41.1	+6.1
LA	22005	36.6	+5.8
KY	21151	35.8	+5.6
LA	22017	36.3	+5.5
IA	19155	31.0	+5.4
CO	08013	31.7	+5.3
SD	46127	26.9	+5.3
KY	21227	34.1	+5.2

▼ Fading Opportunities

St	FIPS	Opp	Δ30d
MT	30027	27.4	-8.6
VA	51840	25.5	-6.4
VA	51161	25.5	-5.7
SD	46065	26.9	-5.5
TX	48283	39.3	-5.4
OK	40001	32.0	-5.4
SD	46119	28.6	-4.9
AK	02230	38.2	-4.9
IL	17013	29.2	-4.8
CO	08115	26.8	-4.6
AK	02185	25.5	-4.6
VA	51775	26.4	-4.4
UT	49041	26.7	-4.1
TX	48337	34.8	-4.1
TX	48153	33.1	-4.1

⊘ Weakest Counties — No Edge

St	FIPS	Opp	Phase
ID	16063	16.8	WEAK
VA	51685	17.5	WEAK
MN	27009	18.4	WEAK
MN	27039	18.4	WEAK
WI	55063	18.4	WEAK
WI	55117	18.5	WEAK
NE	31179	18.5	WEAK
MA	25015	18.8	WEAK
AK	02158	19.0	WEAK
IA	19167	19.1	WEAK
MN	27169	19.2	WEAK
MN	27109	19.2	WEAK
ND	38085	19.2	WEAK
PR	72025	19.4	WEAK
CT	09011	19.4	WEAK

★ Top Distress Opportunity ZIPs

ZIP	Opp	Confirmation	Records
33982	55.9	MULTI FACTOR5/6	5 distress · 3 tax · 24 listings
33952	55.5	MULTI FACTOR5/6	22 distress · 21 tax · 69 listings
33953	55.0	MULTI FACTOR5/6	58 distress · 45 tax · 22 listings
33980	54.9	MULTI FACTOR5/6	3 distress · 3 tax · 14 listings
33981	54.7	MULTI FACTOR5/6	106 distress · 107 tax · 51 listings
34224	54.1	MULTI FACTOR5/6	4 distress · 3 tax · 25 listings
33947	53.3	MULTI FACTOR4/6	6 distress · 6 tax · 30 listings
33948	53.2	MULTI FACTOR5/6	20 distress · 20 tax · 32 listings
33983	53.2	MULTI FACTOR5/6	5 distress · 4 tax · 21 listings
33954	52.8	MULTI FACTOR5/6	51 distress · 41 tax · 31 listings
33903	52.2	MULTI FACTOR4/6	4 distress · 4 tax · 8 listings
32052	51.6	MULTI FACTOR4/6	1 distress · 1 listings
71295	51.5	MULTI FACTOR5/6	0
26033	51.5	WATCHLIST2/6	0
75845	51.5	WATCHLIST2/6	0
33928	50.6	MULTI FACTOR5/6	1 distress · 1 tax · 2 listings
71764	50.6	WATCHLIST2/6	0
33913	50.5	MULTI FACTOR5/6	1 distress · 13 listings
71369	50.5	MULTI FACTOR4/6	2 listings
33956	50.3	MULTI FACTOR5/6	7 distress · 3 tax · 2 listings

⇄ Replacements (top-25 entrants)

New	Rank	Why
12013	#7	construction softening· listings discount expansion· short-sale supply4-FACTOR
22095	#11	short-sale supply· construction softening· listings discount expansion3-FACTOR
13025	#16	property stress· foreclosure acceleration· short-sale supply3-FACTOR
21033	#17	bank stress confluence· construction softening· listings discount expansion4-FACTOR
48249	#19	construction softening· short-sale supply· bank stress confluence4-FACTOR
26039	#21	construction softening· bank stress confluence· listings discount expansion4-FACTOR
48395	#22	bank stress confluence· listings discount expansion· short-sale supply3-FACTOR
20075	#24	construction softening· bank stress confluence· listings discount expansion3-FACTOR
05049	#25	short-sale supply· bank stress confluence· foreclosure acceleration4-FACTOR

📊 Highest Signal Volume (last 7d)

ZIP	St	IQ	Sig
31553	GA	54.7	7
32052	FL	54.2	7
33952	FL	52.7	7
33980	FL	52.5	7
33982	FL	52.4	7
32053	FL	52.4	7
33953	FL	52.1	7
33981	FL	51.7	7
34224	FL	51.5	7
33946	FL	51.1	7
33948	FL	50.9	7
33903	FL	50.7	7
29934	SC	50.4	7
33950	FL	50.4	7
33928	FL	50.3	7
34287	FL	50.2	7
33983	FL	50.2	7
33955	FL	50.0	7
33919	FL	50.0	7
33947	FL	50.0	7
34135	FL	49.9	7
33954	FL	49.8	7
71701	AR	49.8	7
76661	TX	49.7	7
73772	OK	49.7	7
25015	WV	49.6	7
33917	FL	49.5	7
34229	FL	49.4	7
76825	TX	49.3	7
36016	AL	49.3	7
34237	FL	49.2	7
33957	FL	49.2	7
72576	AR	49.2	7
33908	FL	49.2	7
33907	FL	49.2	7
33971	FL	49.1	7
33905	FL	49.1	7
33956	FL	49.1	7
33991	FL	49.0	7
33914	FL	49.0	7
34293	FL	48.9	7
33904	FL	48.9	7
70051	LA	48.8	7
33967	FL	48.8	7
34223	FL	48.6	7
88317	NM	48.6	7
88301	NM	48.5	7
33909	FL	48.5	7
70084	LA	48.5	7
33922	FL	48.4	7
34242	FL	48.4	7
34275	FL	48.4	7
33990	FL	48.3	7
33993	FL	48.3	7
34234	FL	48.3	7
34285	FL	48.3	7
34289	FL	48.2	7
72088	AR	48.1	7
34231	FL	48.1	7
72153	AR	48.0	7
32421	FL	48.0	7
34241	FL	48.0	7
75851	TX	48.0	7
78375	TX	48.0	7
33913	FL	48.0	7
24224	VA	47.9	7
34238	FL	47.9	7
33920	FL	47.8	7
72031	AR	47.7	7
34292	FL	47.7	7
38052	TN	47.7	7
71295	LA	47.6	7
72512	AR	47.5	7
32424	FL	47.5	7
33912	FL	47.4	7
29853	SC	47.4	7
29065	SC	47.4	7
27869	NC	47.3	7
33972	FL	47.3	7
42053	KY	47.3	7
34239	FL	47.2	7
33901	FL	47.1	7
77434	TX	47.1	7
75862	TX	47.1	7
34233	FL	47.0	7
74058	OK	47.0	7
24649	VA	47.0	7
33843	FL	47.0	7
32430	FL	46.9	7
33916	FL	46.9	7
33974	FL	46.8	7
72141	AR	46.8	7
65438	MO	46.8	7
33966	FL	46.8	7
78832	TX	46.8	7
72556	AR	46.7	7
34232	FL	46.7	7
71846	AR	46.6	7
34291	FL	46.6	7
70645	LA	46.6	7

Live rankings recalculate every page load. Every score traces to named public sources. No black-box scoring.