ZIP
55040
MN · County 27059 · pop 14,451 (population)
27.7
Opportunity Index
WEAKNational rank #27748
Why This ZIP
ZIP 55040 ranks #27748 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 33.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 55040 — 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 27059 — ZIP 55040 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27059 — ZIP 55040 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27059 — ZIP 55040 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 | 38.4 |
| Vacancy | 6.7 |
| Property Stress | 5.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 63.7 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#27748
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp33.6
Pulse score23.7
Signal Breakdown — 10 Categories
Vacancy
6.7
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
5.0
HOA / Federal Liens
—
Listings Discount
38.4
Bank Institutional
63.7
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
70.5
Price Cut %
14.1%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
6.7%
Bank Score
63.7
Insurance Score
0.0
Listings Discount
38.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55040 | 23.7 | 3.9 | 0.0 | 38.4 |
| County 27059 | 24.0 | 4.9 | 0.0 | 28.9 |
| MN state avg | 27.6 | 9.0 | 0.0 | 23.0 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 56353 | 34.5 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 15 |
| 55056 | 29.7 | WEAK | BANK_INSTITUTIONAL | 32 | 7 |
| 55070 | 29.5 | WEAK | BANK_INSTITUTIONAL | 36 | 4 |
| 56358 | 29.3 | WEAK | VACANCY | — | 15 |
| 55371 | 29.0 | WEAK | BANK_INSTITUTIONAL | 33 | 9 |
| 55079 | 28.5 | WEAK | BANK_INSTITUTIONAL | — | 6 |
| 55006 | 26.8 | WEAK | BANK_INSTITUTIONAL | 17 | 12 |
| 55398 | 26.7 | WEAK | BANK_INSTITUTIONAL | 28 | 5 |
| 55008 | 24.6 | WEAK | BANK_INSTITUTIONAL | 27 | 5 |
| 55080 | 24.0 | WEAK | VACANCY | — | 6 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/55040
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.