ZIP
55438
MN · County 27053 · pop 15,847 (population)
31.3
Opportunity Index
EARLY_SIGNALNational rank #19115
Why This ZIP
ZIP 55438 ranks #19115 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 31.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 55438 — 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 27053 — ZIP 55438 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27053 — ZIP 55438 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27053 — ZIP 55438 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 | 36.7 |
| Property Stress | 5.0 |
| Foreclosure / Delinquency | 5.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 79.4 |
| Bank Institutional | 72.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#19115
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp31.2
Pulse score31.4
Signal Breakdown — 10 Categories
Vacancy
4.8
Auction / REO
—
Construction Pressure
79.4
FL Deep Bonus
—
Property Stress
5.0
HOA / Federal Liens
—
Listings Discount
36.7
Bank Institutional
72.6
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
5.0
Price Cut %
—%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
4.8%
Bank Score
72.6
Insurance Score
0.0
Listings Discount
36.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55438 | 31.4 | 4.3 | 0.0 | 36.7 |
| County 27053 | 26.8 | 4.3 | 0.0 | 25.8 |
| 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 |
|---|---|---|---|---|---|
| 55341 | 33.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 46 | 5 |
| 55445 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 43 | 5 |
| 55446 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 5 |
| 55412 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 5 |
| 55373 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 5 |
| 55311 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 5 |
| 55424 | 31.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 5 |
| 55387 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 40 | 10 |
| 55345 | 31.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 5 |
| 55444 | 31.1 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 47 | 5 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/55438
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.