ZIP
39046
MS · County 28089 · pop 29,160 (population)
31.3
Opportunity Index
EARLY_SIGNALNational rank #19113
Why This ZIP
ZIP 39046 ranks #19113 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 39046 — 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 28089 — ZIP 39046 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28089 — ZIP 39046 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28089 — ZIP 39046 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 | 31.6 |
| Property Stress | 17.0 |
| Foreclosure / Delinquency | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 52.6 |
| Construction Pressure | 30.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#19113
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp35.6
Pulse score28.4
Signal Breakdown — 10 Categories
Vacancy
9.4
Auction / REO
—
Construction Pressure
30.4
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
31.6
Bank Institutional
52.6
Insurance Distress
0.0
Foreclosure / Delinquency
15.0
Top-Line Metrics
Avg DOM (days)
39.0
Price Cut %
—%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
9.4%
Bank Score
52.6
Insurance Score
0.0
Listings Discount
31.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 39046 | 28.4 | 15.6 | 0.0 | 31.6 |
| County 28089 | 29.5 | 15.8 | 0.0 | 39.5 |
| 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 |
|---|---|---|---|---|---|
| 39051 | 39.3 | PEAK_OPPORTUNITY | VACANCY | 51 | 20 |
| 39209 | 37.3 | PEAK_OPPORTUNITY | VACANCY | 46 | 23 |
| 39045 | 36.6 | PEAK_OPPORTUNITY | VACANCY | 54 | 17 |
| 39110 | 35.2 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 17 |
| 39213 | 34.7 | EARLY_SIGNAL | VACANCY | 35 | 23 |
| 39157 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 17 |
| 39146 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 39041 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 23 |
| 39071 | 30.7 | WEAK | VACANCY | 25 | 17 |
| 39079 | 27.0 | WEAK | VACANCY | 3 | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/39046
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.