ZIP
54538
WI · County 55125 · pop 2,919 (population)
37.8
Opportunity Index
OVERHEATEDNational rank #4529
Why This ZIP
ZIP 54538 ranks #4529 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 30.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 54538 — 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 55125 — ZIP 54538 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 55125 — ZIP 54538 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 55125 — ZIP 54538 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 | 55.3 |
| Foreclosure / Delinquency | 30.0 |
| Property Stress | 23.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.2 |
| Construction Pressure | 67.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#4529
PhaseOVERHEATED
Primary driverVACANCY
Capital opp30.8
Pulse score42.4
Signal Breakdown — 10 Categories
Vacancy
55.3
Auction / REO
—
Construction Pressure
67.7
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
69.2
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
55.3%
Bank Score
69.2
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 54538 | 42.4 | 22.7 | 0.0 | — |
| County 55125 | 38.7 | 22.6 | 0.0 | 10.3 |
| WI state avg | 28.7 | 11.1 | 0.0 | 19.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 54557 | 38.3 | OVERHEATED | VACANCY | 33 | 23 |
| 54512 | 38.3 | OVERHEATED | VACANCY | — | 23 |
| 54540 | 38.0 | OVERHEATED | VACANCY | — | 23 |
| 54554 | 37.7 | PEAK_OPPORTUNITY | VACANCY | 39 | 23 |
| 54545 | 37.6 | OVERHEATED | VACANCY | — | 23 |
| 54558 | 37.4 | OVERHEATED | VACANCY | — | 23 |
| 54519 | 35.0 | EARLY_SIGNAL | VACANCY | — | 23 |
| 54560 | 35.0 | EARLY_SIGNAL | VACANCY | — | 23 |
| 54548 | 33.9 | EARLY_SIGNAL | VACANCY | 24 | 20 |
| 54568 | 33.9 | EARLY_SIGNAL | VACANCY | 14 | 23 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/54538
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.