ZIP
49285
MI · County 26065 · pop 6,120 (population)
34.1
Opportunity Index
WATCHLISTNational rank #11703
Why This ZIP
ZIP 49285 ranks #11703 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49285 — 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 26065 — ZIP 49285 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26065 — ZIP 49285 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26065 — ZIP 49285 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 | 48.8 |
| Property Stress | 15.0 |
| Foreclosure / Delinquency | 12.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.4 |
| Construction Pressure | 18.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#11703
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp39.7
Pulse score30.4
Signal Breakdown — 10 Categories
Vacancy
5.1
Auction / REO
—
Construction Pressure
18.0
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
48.8
Bank Institutional
64.4
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
5.7
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
5.1%
Bank Score
64.4
Insurance Score
0.0
Listings Discount
48.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49285 | 30.4 | 13.8 | 0.0 | 48.8 |
| County 26065 | 26.8 | 13.8 | 0.0 | 35.8 |
| MI state avg | 31.8 | 13.9 | 0.0 | 36.4 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 48912 | 35.4 | WATCHLIST | BANK_INSTITUTIONAL | 50 | 17 |
| 48854 | 35.1 | WATCHLIST | BANK_INSTITUTIONAL | 52 | 17 |
| 48892 | 34.6 | WATCHLIST | LISTINGS_DISCOUNT | 56 | 16 |
| 48819 | 34.4 | WATCHLIST | LISTINGS_DISCOUNT | 57 | 17 |
| 48864 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 17 |
| 48895 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 17 |
| 48827 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 14 |
| 48911 | 33.9 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 16 |
| 48910 | 33.5 | WATCHLIST | LISTINGS_DISCOUNT | 50 | 17 |
| 48842 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 38 | 17 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/49285
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.