ZIP
48821
MI · County 26045 · pop 6,180 (population)
30.6
Opportunity Index
WEAKNational rank #20968
Why This ZIP
ZIP 48821 ranks #20968 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 48821 — 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 26045 — ZIP 48821 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26045 — ZIP 48821 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26045 — ZIP 48821 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 | 31.6 |
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 8.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 77.3 |
| Construction Pressure | 24.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#20968
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp30.0
Pulse score31.0
Signal Breakdown — 10 Categories
Vacancy
5.7
Auction / REO
—
Construction Pressure
24.5
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
31.6
Bank Institutional
77.3
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
5.7%
Bank Score
77.3
Insurance Score
0.0
Listings Discount
31.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 48821 | 31.0 | 11.7 | 0.0 | 31.6 |
| County 26045 | 28.7 | 11.9 | 0.0 | 35.0 |
| MI state avg | 31.8 | 14.0 | 0.0 | 36.4 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 49021 | 38.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 57 | 16 |
| 49073 | 38.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 53 | 18 |
| 49076 | 36.2 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 16 |
| 48890 | 35.2 | WATCHLIST | LISTINGS_DISCOUNT | 57 | 13 |
| 48827 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 14 |
| 48813 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 14 |
| 48911 | 34.0 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 16 |
| 48849 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 48842 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 38 | 17 |
| 49284 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/48821
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.