ZIP
49644
MI · County 26085 · pop 1,846 (population)
40.8
Opportunity Index
STRONG_BUYNational rank #1592
Why This ZIP
ZIP 49644 ranks #1592 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 40.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49644 — 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 26085 — ZIP 49644 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26085 — ZIP 49644 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26085 — ZIP 49644 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 | 70.9 |
| Listings Discount | 47.2 |
| Foreclosure / Delinquency | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.5 |
| Construction Pressure | 34.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1592
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp40.1
Pulse score41.3
Signal Breakdown — 10 Categories
Vacancy
70.9
Auction / REO
—
Construction Pressure
34.3
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
47.2
Bank Institutional
69.5
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
20.8
Price Cut %
—%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
70.9%
Bank Score
69.5
Insurance Score
0.0
Listings Discount
47.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49644 | 41.3 | 24.8 | 0.0 | 47.2 |
| County 26085 | 38.4 | 24.8 | 0.0 | 38.0 |
| 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 |
|---|---|---|---|---|---|
| 49304 | 42.7 | STRONG_BUY | VACANCY | 54 | 26 |
| 49677 | 42.2 | STRONG_BUY | VACANCY | 57 | 25 |
| 49655 | 41.4 | STRONG_BUY | VACANCY | 50 | 25 |
| 49601 | 39.7 | PEAK_OPPORTUNITY | VACANCY | 50 | 24 |
| 49309 | 37.2 | PEAK_OPPORTUNITY | VACANCY | 44 | 25 |
| 49656 | 36.8 | OVERHEATED | VACANCY | — | 26 |
| 49688 | 36.6 | OVERHEATED | VACANCY | — | 25 |
| 49642 | 36.5 | PEAK_OPPORTUNITY | VACANCY | 37 | 26 |
| 49623 | 33.9 | EARLY_SIGNAL | VACANCY | — | 26 |
| 49402 | 31.6 | EARLY_SIGNAL | VACANCY | — | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49644
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.