ZIP
49412
MI · County 26123 · pop 12,079 (population)
36.2
Opportunity Index
WATCHLISTNational rank #7082
Why This ZIP
ZIP 49412 ranks #7082 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49412 — 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 26123 — ZIP 49412 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26123 — ZIP 49412 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26123 — ZIP 49412 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 | 37.7 |
| Foreclosure / Delinquency | 26.0 |
| Property Stress | 25.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.7 |
| Construction Pressure | 27.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#7082
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.2
Pulse score34.8
Signal Breakdown — 10 Categories
Vacancy
11.8
Auction / REO
—
Construction Pressure
27.8
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
37.7
Bank Institutional
59.7
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
114.5
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
11.8%
Bank Score
59.7
Insurance Score
0.0
Listings Discount
37.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49412 | 34.8 | 24.6 | 0.0 | 37.7 |
| County 26123 | 37.1 | 23.9 | 0.0 | 39.6 |
| 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 |
|---|---|---|---|---|---|
| 49677 | 42.2 | STRONG_BUY | VACANCY | 57 | 25 |
| 49349 | 41.3 | STRONG_BUY | VACANCY | 51 | 25 |
| 49327 | 40.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 25 |
| 49337 | 38.6 | PEAK_OPPORTUNITY | VACANCY | 42 | 25 |
| 49425 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 51 | 22 |
| 49459 | 37.7 | OVERHEATED | VACANCY | — | 26 |
| 49421 | 37.5 | OVERHEATED | VACANCY | — | 25 |
| 49343 | 37.4 | PEAK_OPPORTUNITY | VACANCY | 48 | 18 |
| 49309 | 37.2 | PEAK_OPPORTUNITY | VACANCY | 44 | 25 |
| 49307 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 41 | 24 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49412
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.