ZIP
38654
MS · County 28033 · pop 57,334 (population)
32.6
Opportunity Index
EARLY_SIGNALNational rank #15538
Why This ZIP
ZIP 38654 ranks #15538 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38654 — 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 28033 — ZIP 38654 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28033 — ZIP 38654 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28033 — ZIP 38654 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 | 45.0 |
| Property Stress | 8.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 62.4 |
| Bank Institutional | 56.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#15538
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp39.1
Pulse score28.3
Signal Breakdown — 10 Categories
Vacancy
3.2
Auction / REO
—
Construction Pressure
62.4
FL Deep Bonus
—
Property Stress
8.0
HOA / Federal Liens
—
Listings Discount
45.0
Bank Institutional
56.0
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
18.3
Price Cut %
—%
Short-Sale Listings
37
Auction Events 90d
—
Vacancy %
3.2%
Bank Score
56.0
Insurance Score
0.0
Listings Discount
45.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38654 | 28.3 | 7.8 | 0.0 | 45.0 |
| County 28033 | 28.2 | 7.5 | 0.0 | 40.5 |
| MS state avg | 33.1 | 19.1 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38611 | 34.5 | EARLY_SIGNAL | VACANCY | 36 | 14 |
| 38618 | 34.4 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 8 |
| 38672 | 34.3 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 8 |
| 38671 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 42 | 8 |
| 38632 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 8 |
| 38680 | 30.6 | WEAK | VACANCY | 39 | 8 |
| 38651 | 30.4 | WEAK | LISTINGS_DISCOUNT | 43 | 8 |
| 38637 | 30.0 | WEAK | BANK_INSTITUTIONAL | 32 | 8 |
| 38641 | 26.5 | WEAK | VACANCY | — | 8 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38654
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.