ZIP
38920
MS · County 28135 · pop 528 (population)
38.2
Opportunity Index
PEAK_OPPORTUNITYNational rank #3998
Why This ZIP
ZIP 38920 ranks #3998 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 51.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 38920 — 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 28135 — ZIP 38920 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28135 — ZIP 38920 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28135 — ZIP 38920 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 | 60.1 |
| Foreclosure / Delinquency | 28.0 |
| Vacancy | 25.7 |
▼ Top 3 Risk Signals
| Bank Institutional | 30.5 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3998
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp51.8
Pulse score29.2
Signal Breakdown — 10 Categories
Vacancy
25.7
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
60.1
Bank Institutional
30.5
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
9.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
25.7%
Bank Score
30.5
Insurance Score
0.0
Listings Discount
60.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38920 | 29.2 | 20.4 | 0.0 | 60.1 |
| County 28135 | 30.6 | 20.6 | 0.0 | 20.7 |
| MS state avg | 33.4 | 19.9 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 38944 | 36.6 | OVERHEATED | VACANCY | — | 33 |
| 38963 | 36.0 | EARLY_SIGNAL | VACANCY | 36 | 22 |
| 38737 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 23 | 16 |
| 38948 | 33.1 | EARLY_SIGNAL | VACANCY | 22 | 19 |
| 38966 | 32.8 | EARLY_SIGNAL | VACANCY | — | 19 |
| 38901 | 32.3 | EARLY_SIGNAL | VACANCY | 29 | 21 |
| 38961 | 31.8 | EARLY_SIGNAL | VACANCY | — | 19 |
| 38921 | 31.4 | EARLY_SIGNAL | VACANCY | 25 | 19 |
| 38643 | 30.6 | WEAK | VACANCY | — | 14 |
| 38940 | 30.0 | WEAK | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38920
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.