ZIP
49099
MI · County 26149 · pop 5,699 (population)
30.9
Opportunity Index
EARLY_SIGNALNational rank #20233
Why This ZIP
ZIP 49099 ranks #20233 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 27.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 49099 — 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 26149 — ZIP 49099 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26149 — ZIP 49099 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26149 — ZIP 49099 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 | 19.0 |
| Vacancy | 14.1 |
| Property Stress | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 74.1 |
| Construction Pressure | 23.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#20233
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp27.8
Pulse score33.0
Signal Breakdown — 10 Categories
Vacancy
14.1
Auction / REO
—
Construction Pressure
23.9
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
74.1
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
14.1%
Bank Score
74.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49099 | 33.0 | 13.2 | 0.0 | — |
| County 26149 | 29.5 | 12.6 | 0.0 | 14.6 |
| 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 |
|---|---|---|---|---|---|
| 49097 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 14 |
| 49072 | 35.9 | WATCHLIST | VACANCY | 48 | 13 |
| 49067 | 34.3 | EARLY_SIGNAL | VACANCY | — | 17 |
| 49040 | 32.5 | EARLY_SIGNAL | VACANCY | — | 14 |
| 49093 | 32.3 | EARLY_SIGNAL | VACANCY | 40 | 12 |
| 49011 | 31.2 | EARLY_SIGNAL | VACANCY | — | 18 |
| 49042 | 29.6 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 49091 | 29.0 | WEAK | VACANCY | — | 12 |
| 49032 | 27.6 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 49075 | 26.5 | WEAK | BANK_INSTITUTIONAL | — | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49099
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.