ZIP
38849
MS · County 28081 · pop 5,874 (population)
33.1
Opportunity Index
EARLY_SIGNALNational rank #14282
Why This ZIP
ZIP 38849 ranks #14282 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 31.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38849 — 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 28081 — ZIP 38849 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28081 — ZIP 38849 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28081 — ZIP 38849 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 | 22.0 |
| Property Stress | 19.0 |
| Vacancy | 10.9 |
▼ Top 3 Risk Signals
| Bank Institutional | 63.9 |
| Construction Pressure | 49.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#14282
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp31.0
Pulse score34.5
Signal Breakdown — 10 Categories
Vacancy
10.9
Auction / REO
—
Construction Pressure
49.1
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
63.9
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
10.9%
Bank Score
63.9
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38849 | 34.5 | 19.5 | 0.0 | — |
| County 28081 | 33.4 | 19.5 | 0.0 | 24.1 |
| 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 |
|---|---|---|---|---|---|
| 38828 | 41.1 | STRONG_BUY | VACANCY | 51 | 18 |
| 38858 | 40.8 | STRONG_BUY | VACANCY | 56 | 17 |
| 38866 | 36.3 | WATCHLIST | VACANCY | 38 | 20 |
| 38824 | 34.2 | EARLY_SIGNAL | VACANCY | 31 | 17 |
| 38801 | 33.2 | EARLY_SIGNAL | VACANCY | 28 | 19 |
| 38857 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 38804 | 32.6 | EARLY_SIGNAL | VACANCY | 25 | 20 |
| 38862 | 32.5 | EARLY_SIGNAL | VACANCY | — | 20 |
| 38860 | 31.8 | EARLY_SIGNAL | VACANCY | 27 | 15 |
| 38826 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38849
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.