ZIP
49404
MI · County 26139 · pop 9,021 (population)
26.2
Opportunity Index
WEAKNational rank #30280
Why This ZIP
ZIP 49404 ranks #30280 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 24.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49404 — 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 26139 — ZIP 49404 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26139 — ZIP 49404 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26139 — ZIP 49404 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 | 16.6 |
| Property Stress | 9.0 |
| Foreclosure / Delinquency | 6.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.5 |
| Construction Pressure | 62.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#30280
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp24.5
Pulse score27.4
Signal Breakdown — 10 Categories
Vacancy
2.9
Auction / REO
—
Construction Pressure
62.7
FL Deep Bonus
—
Property Stress
9.0
HOA / Federal Liens
—
Listings Discount
16.6
Bank Institutional
69.5
Insurance Distress
0.0
Foreclosure / Delinquency
6.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
2.9%
Bank Score
69.5
Insurance Score
0.0
Listings Discount
16.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49404 | 27.4 | 6.6 | 0.0 | 16.6 |
| County 26139 | 26.1 | 6.5 | 0.0 | 26.2 |
| 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 |
|---|---|---|---|---|---|
| 49415 | 38.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 20 |
| 49451 | 34.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 49323 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 49315 | 32.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 13 |
| 49534 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 10 |
| 49460 | 30.6 | WEAK | VACANCY | 40 | 8 |
| 49401 | 30.3 | WEAK | BANK_INSTITUTIONAL | 35 | 8 |
| 49318 | 29.1 | WEAK | BANK_INSTITUTIONAL | — | 17 |
| 49423 | 29.1 | WEAK | BANK_INSTITUTIONAL | 18 | 16 |
| 49330 | 29.1 | WEAK | BANK_INSTITUTIONAL | — | 14 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49404
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.