ZIP
49097
MI · County 26077 · pop 11,452 (population)
36.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #6368
Why This ZIP
ZIP 49097 ranks #6368 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49097 — 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 26077 — ZIP 49097 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26077 — ZIP 49097 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26077 — ZIP 49097 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 | 51.7 |
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 7.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 75.1 |
| Construction Pressure | 55.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6368
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp38.5
Pulse score35.4
Signal Breakdown — 10 Categories
Vacancy
4.7
Auction / REO
—
Construction Pressure
55.1
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
51.7
Bank Institutional
75.1
Insurance Distress
0.0
Foreclosure / Delinquency
7.0
Top-Line Metrics
Avg DOM (days)
178.0
Price Cut %
14.3%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
4.7%
Bank Score
75.1
Insurance Score
0.0
Listings Discount
51.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49097 | 35.4 | 11.1 | 0.0 | 51.7 |
| County 26077 | 29.1 | 11.0 | 0.0 | 24.6 |
| 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 |
|---|---|---|---|---|---|
| 49034 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 14 |
| 49072 | 35.9 | WATCHLIST | VACANCY | 48 | 13 |
| 49001 | 33.9 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 14 |
| 49015 | 33.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 19 |
| 49080 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 49078 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 18 |
| 49048 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 14 |
| 49087 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 14 |
| 49053 | 31.4 | EARLY_SIGNAL | VACANCY | 38 | 14 |
| 49007 | 31.2 | EARLY_SIGNAL | VACANCY | 25 | 14 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49097
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.