ZIP
47978
IN · County 18073 · pop 10,097 (population)
33.3
Opportunity Index
EARLY_SIGNALNational rank #13769
Why This ZIP
ZIP 47978 ranks #13769 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 47978 — 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 18073 — ZIP 47978 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 18073 — ZIP 47978 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 18073 — ZIP 47978 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 | 45.1 |
| Property Stress | 16.0 |
| Foreclosure / Delinquency | 14.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 56.0 |
| Construction Pressure | 13.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#13769
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp40.0
Pulse score28.9
Signal Breakdown — 10 Categories
Vacancy
8.3
Auction / REO
—
Construction Pressure
13.0
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
45.1
Bank Institutional
56.0
Insurance Distress
0.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
144.8
Price Cut %
9.1%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
8.3%
Bank Score
56.0
Insurance Score
0.0
Listings Discount
45.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 47978 | 28.9 | 14.9 | 0.0 | 45.1 |
| County 18073 | 29.4 | 14.6 | 0.0 | 27.1 |
| IN state avg | 31.3 | 14.7 | 0.0 | 33.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 47957 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 50 | 22 |
| 47959 | 37.2 | OVERHEATED | VACANCY | — | 23 |
| 47995 | 35.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 23 |
| 46392 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 52 | 16 |
| 46374 | 32.3 | EARLY_SIGNAL | VACANCY | — | 23 |
| 47946 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 46341 | 30.6 | WEAK | BANK_INSTITUTIONAL | 24 | 18 |
| 47922 | 30.2 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 47948 | 29.7 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 46310 | 28.7 | WEAK | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/47978
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.