ZIP
55395
MN · County 27085 · pop 2,600 (population)
25.1
Opportunity Index
WEAKNational rank #31637
Why This ZIP
ZIP 55395 ranks #31637 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 26.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 55395 — 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 55395 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27085 — ZIP 55395 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27085 — ZIP 55395 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 | 21.4 |
| Property Stress | 9.0 |
| Vacancy | 5.5 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.2 |
| Construction Pressure | 3.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#31637
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp26.5
Pulse score24.1
Signal Breakdown — 10 Categories
Vacancy
5.5
Auction / REO
—
Construction Pressure
3.0
FL Deep Bonus
—
Property Stress
9.0
HOA / Federal Liens
—
Listings Discount
21.4
Bank Institutional
69.2
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
5.5%
Bank Score
69.2
Insurance Score
0.0
Listings Discount
21.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55395 | 24.1 | 7.6 | 0.0 | 21.4 |
| 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 |
| 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 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/55395
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.