ZIP
49431
MI · County 26105 · pop 17,027 (population)
30.6
Opportunity Index
WEAKNational rank #20979
Why This ZIP
ZIP 49431 ranks #20979 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 28.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49431 — 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 26105 — ZIP 49431 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26105 — ZIP 49431 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26105 — ZIP 49431 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
| Vacancy | 25.0 |
| Foreclosure / Delinquency | 25.0 |
| Listings Discount | 20.4 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.7 |
| Construction Pressure | 15.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#20979
PhaseWEAK
Primary driverVACANCY
Capital opp28.6
Pulse score31.9
Signal Breakdown — 10 Categories
Vacancy
25.0
Auction / REO
—
Construction Pressure
15.8
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
20.4
Bank Institutional
64.7
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
113.8
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
25.0%
Bank Score
64.7
Insurance Score
0.0
Listings Discount
20.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49431 | 31.9 | 17.6 | 0.0 | 20.4 |
| County 26105 | 32.4 | 18.3 | 0.0 | 26.2 |
| MI state avg | 31.8 | 14.0 | 0.0 | 36.5 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 49644 | 40.8 | STRONG_BUY | VACANCY | 47 | 25 |
| 49660 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 46 | 22 |
| 49449 | 36.9 | OVERHEATED | VACANCY | — | 23 |
| 49410 | 35.5 | WATCHLIST | VACANCY | 48 | 17 |
| 49454 | 35.2 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 17 |
| 49411 | 33.1 | EARLY_SIGNAL | VACANCY | 38 | 17 |
| 49402 | 31.6 | EARLY_SIGNAL | VACANCY | — | 21 |
| 49458 | 30.0 | WEAK | VACANCY | — | 17 |
| 49405 | 30.0 | WEAK | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/49431
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.