ZIP
38966
MS · County 28135 · pop 747 (population)
32.8
Opportunity Index
EARLY_SIGNALNational rank #14985
Why This ZIP
ZIP 38966 ranks #14985 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 29.9, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 38966 — 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 38966 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28135 — ZIP 38966 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28135 — ZIP 38966 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 | 28.0 |
| Vacancy | 27.0 |
| Property Stress | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.7 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#14985
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp29.9
Pulse score34.7
Signal Breakdown — 10 Categories
Vacancy
27.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
69.7
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
27.0%
Bank Score
69.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 38966 | 34.7 | 20.4 | 0.0 | — |
| 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 |
|---|---|---|---|---|---|
| 38920 | 38.2 | PEAK_OPPORTUNITY | VACANCY | 60 | 19 |
| 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 |
| 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/38966
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.