ZIP
49440
MI · County 26121 · pop 1,319 (population)
31.3
Opportunity Index
EARLY_SIGNALNational rank #19113
Why This ZIP
ZIP 49440 ranks #19113 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 34.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49440 — 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 26121 — ZIP 49440 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26121 — ZIP 49440 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26121 — ZIP 49440 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
| Property Stress | 21.0 |
| Vacancy | 19.3 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 72.7 |
| Bank Institutional | 32.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#19113
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp34.2
Pulse score29.3
Signal Breakdown — 10 Categories
Vacancy
19.3
Auction / REO
—
Construction Pressure
72.7
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
16.3
Bank Institutional
32.5
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
19.3%
Bank Score
32.5
Insurance Score
0.0
Listings Discount
16.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49440 | 29.3 | 18.4 | 0.0 | 16.3 |
| County 26121 | 35.1 | 18.1 | 0.0 | 30.6 |
| MI state avg | 31.8 | 14.0 | 0.0 | 36.5 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 49327 | 40.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 25 |
| 49425 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 51 | 22 |
| 49415 | 38.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 20 |
| 49444 | 37.6 | PEAK_OPPORTUNITY | VACANCY | 39 | 21 |
| 49437 | 37.0 | OVERHEATED | VACANCY | 27 | 22 |
| 49412 | 36.2 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 25 |
| 49442 | 35.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 21 |
| 49457 | 35.2 | WATCHLIST | VACANCY | 38 | 21 |
| 49451 | 34.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 49441 | 34.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 21 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/49440
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.