ZIP
49645
MI · County 26101 · pop 1,806 (population)
39.3
Opportunity Index
PEAK_OPPORTUNITYNational rank #2804
Why This ZIP
ZIP 49645 ranks #2804 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 49.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49645 — 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 26101 — ZIP 49645 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26101 — ZIP 49645 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26101 — ZIP 49645 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 | 53.9 |
| Vacancy | 34.6 |
| Foreclosure / Delinquency | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 32.5 |
| Construction Pressure | 26.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2804
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp49.7
Pulse score32.4
Signal Breakdown — 10 Categories
Vacancy
34.6
Auction / REO
—
Construction Pressure
26.7
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
53.9
Bank Institutional
32.5
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
54.0
Price Cut %
—%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
34.6%
Bank Score
32.5
Insurance Score
0.0
Listings Discount
53.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49645 | 32.4 | 23.3 | 0.0 | 53.9 |
| County 26101 | 37.3 | 22.8 | 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 |
|---|---|---|---|---|---|
| 49689 | 41.3 | STRONG_BUY | VACANCY | 53 | 24 |
| 49644 | 40.8 | STRONG_BUY | VACANCY | 47 | 25 |
| 49614 | 39.4 | PEAK_OPPORTUNITY | VACANCY | 45 | 23 |
| 49668 | 39.3 | PEAK_OPPORTUNITY | VACANCY | 52 | 24 |
| 49660 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 46 | 22 |
| 49675 | 36.0 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49625 | 35.7 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49638 | 33.1 | EARLY_SIGNAL | VACANCY | — | 24 |
| 49411 | 33.1 | EARLY_SIGNAL | VACANCY | 38 | 17 |
| 49683 | 33.1 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49645
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.