ZIP
49038
MI · County 26021 · pop 8,577 (population)
35.5
Opportunity Index
EARLY_SIGNALNational rank #8497
Why This ZIP
ZIP 49038 ranks #8497 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 30.9, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 49038 — 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 26021 — ZIP 49038 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26021 — ZIP 49038 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26021 — ZIP 49038 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
| Vacancy | 28.0 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.4 |
| Construction Pressure | 62.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#8497
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp30.9
Pulse score38.6
Signal Breakdown — 10 Categories
Vacancy
28.0
Auction / REO
—
Construction Pressure
62.0
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
64.4
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
28.0%
Bank Score
64.4
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49038 | 38.6 | 18.2 | 0.0 | — |
| County 26021 | 32.8 | 18.2 | 0.0 | 14.8 |
| 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 |
|---|---|---|---|---|---|
| 49103 | 37.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 20 |
| 49125 | 36.3 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49117 | 35.6 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49127 | 34.1 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49084 | 33.2 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49129 | 33.2 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49128 | 33.2 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49047 | 33.0 | EARLY_SIGNAL | VACANCY | 22 | 19 |
| 49106 | 32.9 | EARLY_SIGNAL | VACANCY | — | 20 |
| 49111 | 32.8 | EARLY_SIGNAL | VACANCY | — | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49038
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.