ZIP
28638
NC · County 37027 · pop 11,629 (population)
38.4
Opportunity Index
PEAK_OPPORTUNITYNational rank #3778
Why This ZIP
ZIP 28638 ranks #3778 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 28638 — 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 37027 — ZIP 28638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 37027 — ZIP 28638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 37027 — ZIP 28638 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 | 46.1 |
| Property Stress | 23.0 |
| Foreclosure / Delinquency | 22.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.9 |
| Construction Pressure | 48.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3778
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp40.1
Pulse score37.2
Signal Breakdown — 10 Categories
Vacancy
8.4
Auction / REO
—
Construction Pressure
48.4
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
46.1
Bank Institutional
64.9
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
79.5
Price Cut %
1.3%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
8.4%
Bank Score
64.9
Insurance Score
0.0
Listings Discount
46.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 28638 | 37.2 | 23.4 | 0.0 | 46.1 |
| County 37027 | 35.4 | 23.7 | 0.0 | 34.7 |
| NC state avg | 33.4 | 23.4 | 0.3 | 29.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 28605 | 41.2 | OVERHEATED | VACANCY | — | 32 |
| 28645 | 36.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 24 |
| 28624 | 35.6 | EARLY_SIGNAL | VACANCY | — | 25 |
| 28606 | 35.2 | EARLY_SIGNAL | VACANCY | — | 25 |
| 28655 | 34.9 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 24 |
| 28601 | 34.3 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 21 |
| 28667 | 33.5 | EARLY_SIGNAL | VACANCY | — | 23 |
| 28630 | 33.2 | EARLY_SIGNAL | VACANCY | 23 | 23 |
| 28611 | 29.8 | WEAK | VACANCY | — | 13 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/28638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.