ZIP
28645
NC · County 37027 · pop 46,237 (population)
36.8
Opportunity Index
PEAK_OPPORTUNITYNational rank #6021
Why This ZIP
ZIP 28645 ranks #6021 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 28645 — 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 28645 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 37027 — ZIP 28645 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 37027 — ZIP 28645 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 | 37.8 |
| Property Stress | 24.0 |
| Foreclosure / Delinquency | 23.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 57.7 |
| Construction Pressure | 49.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6021
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp38.5
Pulse score35.7
Signal Breakdown — 10 Categories
Vacancy
11.4
Auction / REO
—
Construction Pressure
49.0
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
37.8
Bank Institutional
57.7
Insurance Distress
0.0
Foreclosure / Delinquency
23.0
Top-Line Metrics
Avg DOM (days)
93.6
Price Cut %
6.7%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
11.4%
Bank Score
57.7
Insurance Score
0.0
Listings Discount
37.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 28645 | 35.7 | 24.0 | 0.0 | 37.8 |
| 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 |
| 28638 | 38.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 46 | 23 |
| 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/28645
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.