ZIP
49240
MI · County 26075 · pop 9,206 (population)
33.1
Opportunity Index
EARLY_SIGNALNational rank #14254
Why This ZIP
ZIP 49240 ranks #14254 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49240 — 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 26075 — ZIP 49240 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26075 — ZIP 49240 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26075 — ZIP 49240 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 | 45.7 |
| Foreclosure / Delinquency | 11.0 |
| Property Stress | 10.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 71.0 |
| Construction Pressure | 31.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14254
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp36.2
Pulse score31.1
Signal Breakdown — 10 Categories
Vacancy
7.1
Auction / REO
—
Construction Pressure
31.5
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
45.7
Bank Institutional
71.0
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
31.3
Price Cut %
—%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
7.1%
Bank Score
71.0
Insurance Score
0.0
Listings Discount
45.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49240 | 31.1 | 9.0 | 0.0 | 45.7 |
| County 26075 | 29.3 | 9.0 | 0.0 | 34.9 |
| 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 |
|---|---|---|---|---|---|
| 49261 | 37.2 | PEAK_OPPORTUNITY | VACANCY | 50 | 10 |
| 49224 | 36.8 | PEAK_OPPORTUNITY | VACANCY | 44 | 16 |
| 49283 | 36.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 56 | 10 |
| 49272 | 35.2 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 10 |
| 49230 | 34.8 | WATCHLIST | VACANCY | 42 | 11 |
| 49254 | 34.8 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 10 |
| 49245 | 34.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 49259 | 34.5 | WATCHLIST | VACANCY | 43 | 10 |
| 48827 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 14 |
| 49285 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49240
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.