ZIP
48097
MI · County 26147 · pop 5,400 (population)
32.3
Opportunity Index
EARLY_SIGNALNational rank #16373
Why This ZIP
ZIP 48097 ranks #16373 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 48097 — 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 26147 — ZIP 48097 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26147 — ZIP 48097 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26147 — ZIP 48097 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 | 43.4 |
| Property Stress | 10.0 |
| Foreclosure / Delinquency | 9.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 54.6 |
| Construction Pressure | 54.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16373
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp38.5
Pulse score28.1
Signal Breakdown — 10 Categories
Vacancy
5.3
Auction / REO
—
Construction Pressure
54.5
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
43.4
Bank Institutional
54.6
Insurance Distress
0.0
Foreclosure / Delinquency
9.0
Top-Line Metrics
Avg DOM (days)
82.8
Price Cut %
10.0%
Short-Sale Listings
4
Auction Events 90d
—
Vacancy %
5.3%
Bank Score
54.6
Insurance Score
0.0
Listings Discount
43.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 48097 | 28.1 | 7.8 | 0.0 | 43.4 |
| County 26147 | 26.4 | 5.9 | 0.0 | 41.7 |
| MI state avg | 31.8 | 14.0 | 0.0 | 36.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 48039 | 35.2 | WATCHLIST | VACANCY | 54 | 8 |
| 48059 | 33.7 | WATCHLIST | VACANCY | 48 | 8 |
| 48023 | 32.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 8 |
| 48074 | 32.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 47 | 8 |
| 48416 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 12 |
| 48022 | 31.8 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 50 | 8 |
| 48028 | 31.7 | EARLY_SIGNAL | VACANCY | 40 | 8 |
| 48060 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 8 |
| 48041 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 8 |
| 48040 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 8 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/48097
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.