ZIP
38645
MS · County 28027 · pop 831 (population)
38.6
Opportunity Index
OVERHEATEDNational rank #3553
Why This ZIP
ZIP 38645 ranks #3553 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 39.9, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38645 — 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 28027 — ZIP 38645 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28027 — ZIP 38645 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28027 — ZIP 38645 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 | 52.0 |
| Property Stress | 32.0 |
| Vacancy | 11.8 |
▼ Top 3 Risk Signals
| Construction Pressure | 92.3 |
| Bank Institutional | 32.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#3553
PhaseOVERHEATED
Primary driverVACANCY
Capital opp39.9
Pulse score37.7
Signal Breakdown — 10 Categories
Vacancy
11.8
Auction / REO
—
Construction Pressure
92.3
FL Deep Bonus
—
Property Stress
32.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
32.5
Insurance Distress
0.0
Foreclosure / Delinquency
52.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
11.8%
Bank Score
32.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38645 | 37.7 | 36.8 | 0.0 | — |
| County 28027 | 44.6 | 39.3 | 0.0 | 34.1 |
| MS state avg | 33.4 | 19.9 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38617 | 44.7 | STRONG_BUY | VACANCY | 43 | 35 |
| 38614 | 44.1 | STRONG_BUY | VACANCY | 38 | 34 |
| 38639 | 41.7 | OVERHEATED | VACANCY | — | 35 |
| 38644 | 41.6 | OVERHEATED | VACANCY | — | 28 |
| 38631 | 38.3 | OVERHEATED | VACANCY | 25 | 35 |
| 38720 | 36.4 | OVERHEATED | VACANCY | — | 26 |
| 38963 | 36.0 | EARLY_SIGNAL | VACANCY | 36 | 22 |
| 38767 | 35.4 | EARLY_SIGNAL | FORECLOSURE_DELINQUENCY | — | 28 |
| 38626 | 34.6 | EARLY_SIGNAL | VACANCY | — | 23 |
| 38740 | 27.3 | WEAK | VACANCY | — | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38645
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.