ZIP
48412
MI · County 26087 · pop 5,780 (population)
31.1
Opportunity Index
EARLY_SIGNALNational rank #19659
Why This ZIP
ZIP 48412 ranks #19659 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 48412 — 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 26087 — ZIP 48412 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26087 — ZIP 48412 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26087 — ZIP 48412 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 | 45.5 |
| Vacancy | 6.1 |
| Property Stress | 6.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 67.5 |
| Construction Pressure | 28.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#19659
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp36.0
Pulse score27.9
Signal Breakdown — 10 Categories
Vacancy
6.1
Auction / REO
—
Construction Pressure
28.9
FL Deep Bonus
—
Property Stress
6.0
HOA / Federal Liens
—
Listings Discount
45.5
Bank Institutional
67.5
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
48.6
Price Cut %
2.0%
Short-Sale Listings
7
Auction Events 90d
—
Vacancy %
6.1%
Bank Score
67.5
Insurance Score
0.0
Listings Discount
45.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 48412 | 27.9 | 3.9 | 0.0 | 45.5 |
| County 26087 | 25.7 | 4.9 | 0.0 | 42.2 |
| 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 |
|---|---|---|---|---|---|
| 48744 | 38.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 55 | 16 |
| 48435 | 36.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 59 | 12 |
| 48453 | 35.1 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 15 |
| 48371 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 13 |
| 48462 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 13 |
| 48760 | 32.9 | EARLY_SIGNAL | VACANCY | 44 | 11 |
| 48464 | 32.9 | EARLY_SIGNAL | VACANCY | 48 | 8 |
| 48463 | 32.8 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 50 | 12 |
| 48416 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 12 |
| 48423 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/48412
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.