ZIP
48631
MI · County 26017 · pop 4,058 (population)
28.9
Opportunity Index
WEAKNational rank #25195
Why This ZIP
ZIP 48631 ranks #25195 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 28.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 48631 — 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 26017 — ZIP 48631 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26017 — ZIP 48631 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26017 — ZIP 48631 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
| Foreclosure / Delinquency | 12.0 |
| Property Stress | 11.0 |
| Vacancy | 7.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.4 |
| Construction Pressure | 39.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#25195
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp28.1
Pulse score29.5
Signal Breakdown — 10 Categories
Vacancy
7.3
Auction / REO
—
Construction Pressure
39.5
FL Deep Bonus
—
Property Stress
11.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
70.4
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
7.3%
Bank Score
70.4
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 48631 | 29.5 | 8.2 | 0.0 | — |
| County 26017 | 28.7 | 8.4 | 0.0 | 34.2 |
| 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 |
|---|---|---|---|---|---|
| 48604 | 37.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 53 | 16 |
| 48658 | 37.7 | PEAK_OPPORTUNITY | VACANCY | 53 | 18 |
| 48623 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 13 |
| 48708 | 34.3 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 12 |
| 48611 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 54 | 11 |
| 48747 | 33.6 | WATCHLIST | LISTINGS_DISCOUNT | 55 | 12 |
| 48706 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 38 | 11 |
| 48650 | 29.9 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 48659 | 29.6 | WEAK | VACANCY | — | 19 |
| 48642 | 29.5 | WEAK | BANK_INSTITUTIONAL | 24 | 7 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/48631
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.