ZIP
49654
MI · County 26089 · pop 737 (population)
38.0
Opportunity Index
OVERHEATEDNational rank #4255
Why This ZIP
ZIP 49654 ranks #4255 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 29.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 49654 — 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 26089 — ZIP 49654 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26089 — ZIP 49654 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26089 — ZIP 49654 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 | 60.1 |
| Foreclosure / Delinquency | 35.0 |
| Property Stress | 23.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 73.9 |
| Construction Pressure | 59.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#4255
PhaseOVERHEATED
Primary driverVACANCY
Capital opp29.8
Pulse score43.4
Signal Breakdown — 10 Categories
Vacancy
60.1
Auction / REO
—
Construction Pressure
59.2
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
73.9
Insurance Distress
0.0
Foreclosure / Delinquency
35.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
60.1%
Bank Score
73.9
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49654 | 43.4 | 24.8 | 0.0 | — |
| County 26089 | 36.4 | 24.0 | 0.0 | 13.1 |
| 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 |
|---|---|---|---|---|---|
| 49670 | 38.0 | OVERHEATED | VACANCY | — | 23 |
| 49630 | 37.8 | OVERHEATED | VACANCY | — | 23 |
| 49682 | 37.3 | OVERHEATED | VACANCY | — | 23 |
| 49640 | 36.1 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49664 | 35.6 | EARLY_SIGNAL | VACANCY | 31 | 23 |
| 49653 | 35.2 | EARLY_SIGNAL | VACANCY | 29 | 23 |
| 49621 | 34.8 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49636 | 34.8 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49674 | 34.8 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49684 | 33.4 | EARLY_SIGNAL | VACANCY | 21 | 22 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49654
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.