ZIP
55312
MN · County 27085 · pop 1,412 (population)
27.9
Opportunity Index
WEAKNational rank #27338
Why This ZIP
ZIP 55312 ranks #27338 nationally with phase WEAK. Primary driver: VACANCY. Capital opportunity score is 28.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 55312 — 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 27085 — ZIP 55312 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27085 — ZIP 55312 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27085 — ZIP 55312 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 | 14.3 |
| Property Stress | 10.0 |
| Foreclosure / Delinquency | 6.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.2 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#27338
PhaseWEAK
Primary driverVACANCY
Capital opp28.0
Pulse score27.9
Signal Breakdown — 10 Categories
Vacancy
14.3
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
70.2
Insurance Distress
0.0
Foreclosure / Delinquency
6.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
14.3%
Bank Score
70.2
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55312 | 27.9 | 8.6 | 0.0 | — |
| County 27085 | 24.5 | 9.1 | 0.0 | 24.0 |
| MN state avg | 27.7 | 9.0 | 0.0 | 23.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 55396 | 36.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 16 |
| 55354 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 50 | 10 |
| 55334 | 30.7 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 55339 | 29.1 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 55385 | 29.0 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 55397 | 27.9 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 55336 | 27.6 | WEAK | BANK_INSTITUTIONAL | 31 | 11 |
| 55370 | 26.7 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 55381 | 26.3 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 55350 | 25.8 | WEAK | BANK_INSTITUTIONAL | 23 | 11 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/55312
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.