ZIP
38635
MS · County 28093 · pop 15,312 (population)
36.5
Opportunity Index
PEAK_OPPORTUNITYNational rank #6566
Why This ZIP
ZIP 38635 ranks #6566 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 35.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38635 — 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 28093 — ZIP 38635 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28093 — ZIP 38635 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28093 — ZIP 38635 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 | 38.8 |
| Foreclosure / Delinquency | 28.0 |
| Vacancy | 16.2 |
▼ Top 3 Risk Signals
| Bank Institutional | 67.5 |
| Construction Pressure | 57.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6566
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp35.3
Pulse score37.3
Signal Breakdown — 10 Categories
Vacancy
16.2
Auction / REO
—
Construction Pressure
57.1
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
38.8
Bank Institutional
67.5
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
63.6
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
16.2%
Bank Score
67.5
Insurance Score
0.0
Listings Discount
38.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38635 | 37.3 | 18.8 | 0.0 | 38.8 |
| County 28093 | 35.0 | 17.3 | 0.0 | 33.2 |
| MS state avg | 33.4 | 19.9 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38685 | 35.4 | WATCHLIST | VACANCY | 42 | 16 |
| 38659 | 35.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 38618 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 8 |
| 38611 | 34.5 | EARLY_SIGNAL | VACANCY | 36 | 14 |
| 38654 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 45 | 9 |
| 38642 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 38661 | 30.6 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38635
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.