ZIP
38828
MS · County 28145 · pop 4,532 (population)
41.1
Opportunity Index
STRONG_BUYNational rank #1430
Why This ZIP
ZIP 38828 ranks #1430 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 39.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38828 — 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 28145 — ZIP 38828 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28145 — ZIP 38828 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28145 — ZIP 38828 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 | 50.5 |
| Foreclosure / Delinquency | 27.0 |
| Vacancy | 21.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.9 |
| Construction Pressure | 68.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1430
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp39.8
Pulse score41.9
Signal Breakdown — 10 Categories
Vacancy
21.3
Auction / REO
—
Construction Pressure
68.7
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
50.5
Bank Institutional
69.9
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
178.0
Price Cut %
8.1%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
21.3%
Bank Score
69.9
Insurance Score
0.0
Listings Discount
50.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38828 | 41.9 | 18.5 | 0.0 | 50.5 |
| County 28145 | 37.8 | 18.5 | 0.0 | 24.8 |
| 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 |
|---|---|---|---|---|---|
| 38871 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 60 | 18 |
| 38627 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 53 | 19 |
| 38650 | 36.9 | OVERHEATED | VACANCY | — | 17 |
| 38633 | 36.4 | OVERHEATED | VACANCY | — | 16 |
| 38610 | 36.3 | EARLY_SIGNAL | VACANCY | — | 17 |
| 38652 | 35.4 | EARLY_SIGNAL | VACANCY | 29 | 18 |
| 38824 | 34.2 | EARLY_SIGNAL | VACANCY | 31 | 17 |
| 38849 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 38841 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 38625 | 30.4 | WEAK | BANK_INSTITUTIONAL | — | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38828
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.