ZIP
28640
NC · County 37009 · pop 4,818 (population)
33.5
Opportunity Index
EARLY_SIGNALNational rank #13257
Why This ZIP
ZIP 28640 ranks #13257 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 26.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 28640 — 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 37009 — ZIP 28640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 37009 — ZIP 28640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 37009 — ZIP 28640 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
| Property Stress | 29.0 |
| Foreclosure / Delinquency | 29.0 |
| Vacancy | 26.6 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.9 |
| Construction Pressure | 33.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#13257
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp26.8
Pulse score38.0
Signal Breakdown — 10 Categories
Vacancy
26.6
Auction / REO
—
Construction Pressure
33.1
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
12.0
Bank Institutional
68.9
Insurance Distress
0.0
Foreclosure / Delinquency
29.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
26.6%
Bank Score
68.9
Insurance Score
0.0
Listings Discount
12.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 28640 | 38.0 | 29.4 | 0.0 | 12.0 |
| County 37009 | 35.0 | 29.5 | 0.0 | 17.4 |
| NC state avg | 33.4 | 23.4 | 0.3 | 29.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 28643 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 47 | 29 |
| 28693 | 39.7 | PEAK_OPPORTUNITY | VACANCY | 51 | 29 |
| 28698 | 39.5 | OVERHEATED | VACANCY | — | 34 |
| 28684 | 38.1 | OVERHEATED | VACANCY | — | 32 |
| 28644 | 35.7 | EARLY_SIGNAL | VACANCY | — | 31 |
| 28617 | 35.1 | EARLY_SIGNAL | VACANCY | — | 29 |
| 28615 | 35.1 | EARLY_SIGNAL | VACANCY | — | 29 |
| 28626 | 35.1 | EARLY_SIGNAL | VACANCY | — | 29 |
| 28694 | 35.0 | EARLY_SIGNAL | VACANCY | 20 | 29 |
| 28672 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 29 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/28640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.