ZIP
55385
MN · County 27085 · pop 1,285 (population)
29.0
Opportunity Index
WEAKNational rank #24952
Why This ZIP
ZIP 55385 ranks #24952 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 26.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 55385 — 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 55385 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27085 — ZIP 55385 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27085 — ZIP 55385 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
| Property Stress | 13.0 |
| Foreclosure / Delinquency | 11.0 |
| Vacancy | 10.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 79.1 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#24952
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp26.8
Pulse score30.4
Signal Breakdown — 10 Categories
Vacancy
10.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
13.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
79.1
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
10.0%
Bank Score
79.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55385 | 30.4 | 11.9 | 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 |
| 55397 | 27.9 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 55312 | 27.9 | WEAK | VACANCY | — | 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/55385
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.