ZIP
49315
MI · County 26081 · pop 26,123 (population)
32.2
Opportunity Index
EARLY_SIGNALNational rank #16659
Why This ZIP
ZIP 49315 ranks #16659 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49315 — 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 26081 — ZIP 49315 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26081 — ZIP 49315 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26081 — ZIP 49315 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 | 44.0 |
| Property Stress | 13.0 |
| Foreclosure / Delinquency | 7.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 57.9 |
| Construction Pressure | 31.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16659
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp38.6
Pulse score27.9
Signal Breakdown — 10 Categories
Vacancy
4.0
Auction / REO
—
Construction Pressure
31.7
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
44.0
Bank Institutional
57.9
Insurance Distress
0.0
Foreclosure / Delinquency
7.0
Top-Line Metrics
Avg DOM (days)
80.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
4.0%
Bank Score
57.9
Insurance Score
0.0
Listings Discount
44.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49315 | 27.9 | 10.5 | 0.0 | 44.0 |
| County 26081 | 26.7 | 10.8 | 0.0 | 28.7 |
| 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 |
|---|---|---|---|---|---|
| 49347 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 60 | 20 |
| 49327 | 40.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 25 |
| 49343 | 37.4 | PEAK_OPPORTUNITY | VACANCY | 48 | 18 |
| 49333 | 36.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 19 |
| 48809 | 34.6 | WATCHLIST | BANK_INSTITUTIONAL | 49 | 13 |
| 48838 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 18 |
| 49548 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 50 | 13 |
| 49348 | 32.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 49505 | 32.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 13 |
| 48815 | 31.8 | EARLY_SIGNAL | VACANCY | 25 | 13 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49315
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.