ZIP
55396
MN · County 27143 · pop 2,162 (population)
36.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #5847
Why This ZIP
ZIP 55396 ranks #5847 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 55396 — 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 27143 — ZIP 55396 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27143 — ZIP 55396 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27143 — ZIP 55396 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 | 52.4 |
| Property Stress | 16.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 67.7 |
| Construction Pressure | 26.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5847
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp40.6
Pulse score34.4
Signal Breakdown — 10 Categories
Vacancy
10.7
Auction / REO
—
Construction Pressure
26.6
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
52.4
Bank Institutional
67.7
Insurance Distress
0.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
8.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.7%
Bank Score
67.7
Insurance Score
0.0
Listings Discount
52.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55396 | 34.4 | 14.7 | 0.0 | 52.4 |
| County 27143 | 32.6 | 13.5 | 0.0 | 26.1 |
| 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 |
|---|---|---|---|---|---|
| 55307 | 35.4 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 16 |
| 56044 | 35.3 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 17 |
| 55314 | 34.7 | EARLY_SIGNAL | VACANCY | — | 17 |
| 56058 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 18 |
| 55366 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 55338 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 55332 | 30.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 55334 | 30.7 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 55335 | 30.7 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 56054 | 29.8 | WEAK | BANK_INSTITUTIONAL | — | 14 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/55396
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.