ZIP
39428
MS · County 28031 · pop 8,626 (population)
39.1
Opportunity Index
PEAK_OPPORTUNITYNational rank #3021
Why This ZIP
ZIP 39428 ranks #3021 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 48.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 39428 — 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 28031 — ZIP 39428 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 28031 — ZIP 39428 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 28031 — ZIP 39428 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 | 58.7 |
| Property Stress | 23.0 |
| Foreclosure / Delinquency | 22.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 45.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3021
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp48.9
Pulse score32.6
Signal Breakdown — 10 Categories
Vacancy
16.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
58.7
Bank Institutional
45.8
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
165.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
16.0%
Bank Score
45.8
Insurance Score
0.0
Listings Discount
58.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 39428 | 32.6 | 22.3 | 0.0 | 58.7 |
| County 28031 | 34.4 | 21.4 | 0.0 | 32.3 |
| MS state avg | 33.1 | 19.1 | 0.0 | 33.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 39168 | 43.0 | STRONG_BUY | VACANCY | 55 | 20 |
| 39482 | 38.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 19 |
| 39474 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 46 | 22 |
| 39479 | 35.8 | EARLY_SIGNAL | VACANCY | — | 22 |
| 39402 | 35.4 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 18 |
| 39401 | 34.8 | EARLY_SIGNAL | VACANCY | 35 | 17 |
| 39119 | 32.8 | EARLY_SIGNAL | VACANCY | — | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/39428
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.