ZIP
38685
MS · County 28093 · pop 983 (population)
35.3
Opportunity Index
WATCHLISTNational rank #8949
Why This ZIP
ZIP 38685 ranks #8949 nationally with phase WATCHLIST. Primary driver: VACANCY. Capital opportunity score is 43.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38685 — 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 38685 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28093 — ZIP 38685 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28093 — ZIP 38685 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 | 42.3 |
| Foreclosure / Delinquency | 27.0 |
| Vacancy | 17.1 |
▼ Top 3 Risk Signals
| Construction Pressure | 56.1 |
| Bank Institutional | 31.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8949
PhaseWATCHLIST
Primary driverVACANCY
Capital opp43.8
Pulse score29.6
Signal Breakdown — 10 Categories
Vacancy
17.1
Auction / REO
—
Construction Pressure
56.1
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
42.3
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
78.0
Price Cut %
6.7%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
17.1%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
42.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38685 | 29.6 | 18.4 | 0.0 | 42.3 |
| County 28093 | 34.8 | 16.7 | 0.0 | 33.2 |
| MS state avg | 33.1 | 19.1 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38635 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 39 | 16 |
| 38659 | 34.8 | EARLY_SIGNAL | VACANCY | — | 15 |
| 38611 | 34.5 | EARLY_SIGNAL | VACANCY | 36 | 14 |
| 38618 | 34.4 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 8 |
| 38654 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 45 | 8 |
| 38642 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 38661 | 30.5 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38685
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.