ZIP
38642
MS · County 28009 · pop 2,085 (population)
32.1
Opportunity Index
EARLY_SIGNALNational rank #16948
Why This ZIP
ZIP 38642 ranks #16948 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 28.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38642 — 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 28009 — ZIP 38642 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28009 — ZIP 38642 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28009 — ZIP 38642 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
| Foreclosure / Delinquency | 27.0 |
| Property Stress | 15.0 |
| Vacancy | 6.4 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.8 |
| Construction Pressure | 56.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#16948
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp28.8
Pulse score34.3
Signal Breakdown — 10 Categories
Vacancy
6.4
Auction / REO
—
Construction Pressure
56.8
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
70.8
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
6.4%
Bank Score
70.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38642 | 34.3 | 18.2 | 0.0 | — |
| County 28009 | 35.4 | 18.4 | 0.0 | 4.3 |
| MS state avg | 33.1 | 19.1 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38650 | 36.9 | OVERHEATED | VACANCY | — | 17 |
| 38663 | 36.6 | OVERHEATED | VACANCY | 35 | 17 |
| 38635 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 39 | 16 |
| 38633 | 36.4 | OVERHEATED | VACANCY | — | 16 |
| 38610 | 36.3 | EARLY_SIGNAL | VACANCY | — | 17 |
| 38659 | 34.8 | EARLY_SIGNAL | VACANCY | — | 15 |
| 38629 | 32.4 | EARLY_SIGNAL | VACANCY | — | 17 |
| 38603 | 31.9 | EARLY_SIGNAL | VACANCY | — | 16 |
| 38683 | 31.5 | EARLY_SIGNAL | VACANCY | — | 16 |
| 38647 | 26.4 | WEAK | BANK_INSTITUTIONAL | — | 16 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38642
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.