ZIP
25438
WV · County 54037 · pop 7,356 (population)
34.6
Opportunity Index
WATCHLISTNational rank #10585
Why This ZIP
ZIP 25438 ranks #10585 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 25438 — 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 54037 — ZIP 25438 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 54037 — ZIP 25438 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 54037 — ZIP 25438 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
| Listings Discount | 44.5 |
| Property Stress | 13.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.2 |
| Construction Pressure | 52.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#10585
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.0
Pulse score32.4
Signal Breakdown — 10 Categories
Vacancy
8.6
Auction / REO
—
Construction Pressure
52.7
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
44.5
Bank Institutional
64.2
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
24.4
Price Cut %
—%
Short-Sale Listings
21
Auction Events 90d
—
Vacancy %
8.6%
Bank Score
64.2
Insurance Score
0.0
Listings Discount
44.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 25438 | 32.4 | 10.4 | 0.0 | 44.5 |
| County 54037 | 30.7 | 10.3 | 0.0 | 37.3 |
| WV state avg | 33.5 | 21.0 | 0.0 | 25.1 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 25446 | 35.1 | WATCHLIST | VACANCY | 47 | 13 |
| 25425 | 34.7 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 13 |
| 25430 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 12 |
| 25443 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 12 |
| 25414 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 13 |
| 20135 | 27.0 | WEAK | VACANCY | — | 11 |
| 25442 | 27.0 | WEAK | VACANCY | — | 13 |
| 25432 | 25.7 | WEAK | BANK_INSTITUTIONAL | — | 13 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/25438
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.