ZIP
49286
MI · County 26091 · pop 14,331 (population)
32.1
Opportunity Index
EARLY_SIGNALNational rank #16945
Why This ZIP
ZIP 49286 ranks #16945 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49286 — 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 26091 — ZIP 49286 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26091 — ZIP 49286 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26091 — ZIP 49286 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 | 41.6 |
| Foreclosure / Delinquency | 18.0 |
| Property Stress | 12.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.1 |
| Construction Pressure | 42.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16945
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp37.2
Pulse score28.7
Signal Breakdown — 10 Categories
Vacancy
3.4
Auction / REO
—
Construction Pressure
42.7
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
41.6
Bank Institutional
59.1
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
80.0
Price Cut %
8.0%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
3.4%
Bank Score
59.1
Insurance Score
0.0
Listings Discount
41.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49286 | 28.7 | 12.1 | 0.0 | 41.6 |
| County 26091 | 28.8 | 12.1 | 0.0 | 29.8 |
| 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 |
|---|---|---|---|---|---|
| 49247 | 36.2 | WATCHLIST | VACANCY | 50 | 14 |
| 49230 | 34.8 | WATCHLIST | VACANCY | 42 | 11 |
| 49229 | 34.7 | WATCHLIST | LISTINGS_DISCOUNT | 52 | 13 |
| 49220 | 34.4 | WATCHLIST | VACANCY | 44 | 14 |
| 49267 | 33.7 | WATCHLIST | LISTINGS_DISCOUNT | 51 | 13 |
| 49287 | 33.3 | EARLY_SIGNAL | VACANCY | 42 | 12 |
| 49236 | 32.2 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 48 | 13 |
| 49221 | 31.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 12 |
| 49265 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 12 |
| 48176 | 30.6 | WEAK | BANK_INSTITUTIONAL | 38 | 13 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49286
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.