ZIP
38954
MS · County 28083 · pop 754 (population)
36.6
Opportunity Index
OVERHEATEDNational rank #6368
Why This ZIP
ZIP 38954 ranks #6368 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 40.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38954 — 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 28083 — ZIP 38954 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28083 — ZIP 38954 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28083 — ZIP 38954 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 | 45.0 |
| Property Stress | 32.0 |
| Vacancy | 28.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 32.8 |
| Bank Institutional | 31.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#6368
PhaseOVERHEATED
Primary driverVACANCY
Capital opp40.2
Pulse score34.2
Signal Breakdown — 10 Categories
Vacancy
28.0
Auction / REO
—
Construction Pressure
32.8
FL Deep Bonus
—
Property Stress
32.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.0
Insurance Distress
0.0
Foreclosure / Delinquency
45.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
28.0%
Bank Score
31.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38954 | 34.2 | 35.4 | 0.0 | — |
| County 28083 | 37.2 | 32.6 | 0.0 | 27.8 |
| 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 |
|---|---|---|---|---|---|
| 39038 | 39.9 | PEAK_OPPORTUNITY | VACANCY | 39 | 29 |
| 38924 | 39.9 | PEAK_OPPORTUNITY | VACANCY | 57 | 21 |
| 38941 | 38.3 | OVERHEATED | VACANCY | 32 | 34 |
| 38930 | 37.1 | OVERHEATED | VACANCY | 29 | 29 |
| 38944 | 36.6 | OVERHEATED | VACANCY | — | 33 |
| 38761 | 35.9 | EARLY_SIGNAL | VACANCY | 34 | 21 |
| 38946 | 34.0 | EARLY_SIGNAL | VACANCY | — | 24 |
| 38952 | 34.0 | EARLY_SIGNAL | VACANCY | — | 24 |
| 38736 | 33.0 | EARLY_SIGNAL | VACANCY | — | 13 |
| 38950 | 29.1 | WEAK | VACANCY | — | 18 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/38954
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.