ZIP
49685
MI · County 26055 · pop 21,297 (population)
36.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #6368
Why This ZIP
ZIP 49685 ranks #6368 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 49685 — 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 26055 — ZIP 49685 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 26055 — ZIP 49685 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 26055 — ZIP 49685 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 | 36.6 |
| Property Stress | 21.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 69.7 |
| Bank Institutional | 63.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#6368
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp36.1
Pulse score36.9
Signal Breakdown — 10 Categories
Vacancy
11.0
Auction / REO
—
Construction Pressure
69.7
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
36.6
Bank Institutional
63.7
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
71.0
Price Cut %
10.3%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
11.0%
Bank Score
63.7
Insurance Score
0.0
Listings Discount
36.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 49685 | 36.9 | 19.8 | 0.0 | 36.6 |
| County 26055 | 34.8 | 20.3 | 0.0 | 24.2 |
| 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 |
|---|---|---|---|---|---|
| 49633 | 40.7 | STRONG_BUY | VACANCY | 54 | 22 |
| 49620 | 40.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 22 |
| 49637 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 47 | 21 |
| 49690 | 38.7 | PEAK_OPPORTUNITY | VACANCY | 46 | 21 |
| 49643 | 37.2 | PEAK_OPPORTUNITY | VACANCY | 43 | 21 |
| 49649 | 35.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 49696 | 33.7 | EARLY_SIGNAL | VACANCY | — | 21 |
| 49684 | 33.4 | EARLY_SIGNAL | VACANCY | 21 | 22 |
| 49683 | 33.1 | EARLY_SIGNAL | VACANCY | — | 23 |
| 49686 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 19 | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/49685
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.