ZIP
38865
MS · County 28003 · pop 5,367 (population)
35.5
Opportunity Index
WATCHLISTNational rank #8513
Why This ZIP
ZIP 38865 ranks #8513 nationally with phase WATCHLIST. Primary driver: VACANCY. Capital opportunity score is 51.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38865 — 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 28003 — ZIP 38865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28003 — ZIP 38865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28003 — ZIP 38865 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 | 59.7 |
| Foreclosure / Delinquency | 20.0 |
| Property Stress | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8513
PhaseWATCHLIST
Primary driverVACANCY
Capital opp51.1
Pulse score25.1
Signal Breakdown — 10 Categories
Vacancy
13.6
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
59.7
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
9.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
13.6%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
59.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38865 | 25.1 | 15.4 | 0.0 | 59.7 |
| County 28003 | 27.0 | 15.4 | 0.0 | 35.3 |
| MS state avg | 33.1 | 19.1 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (4)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38683 | 31.5 | EARLY_SIGNAL | VACANCY | — | 16 |
| 38834 | 30.9 | EARLY_SIGNAL | VACANCY | 36 | 15 |
| 38833 | 30.1 | WEAK | VACANCY | 24 | 17 |
| 38846 | 26.1 | WEAK | VACANCY | — | 15 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/38865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.