ZIP
55940
MN · County 27039 · pop 2,810 (population)
23.6
Opportunity Index
WEAKNational rank #32855
Why This ZIP
ZIP 55940 ranks #32855 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 25.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 55940 — 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 27039 — ZIP 55940 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27039 — ZIP 55940 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27039 — ZIP 55940 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 | 20.6 |
| Vacancy | 5.8 |
| Property Stress | 5.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 69.8 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#32855
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp25.3
Pulse score22.4
Signal Breakdown — 10 Categories
Vacancy
5.8
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
5.0
HOA / Federal Liens
—
Listings Discount
20.6
Bank Institutional
69.8
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
148.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
5.8%
Bank Score
69.8
Insurance Score
0.0
Listings Discount
20.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55940 | 22.4 | 4.0 | 0.0 | 20.6 |
| County 27039 | 23.2 | 4.5 | 0.0 | 9.0 |
| MN state avg | 27.6 | 8.9 | 0.0 | 23.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 55973 | 31.9 | EARLY_SIGNAL | VACANCY | — | 16 |
| 55946 | 29.4 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 55985 | 28.9 | WEAK | BANK_INSTITUTIONAL | — | 6 |
| 55917 | 28.5 | WEAK | BANK_INSTITUTIONAL | — | 11 |
| 55924 | 27.2 | WEAK | BANK_INSTITUTIONAL | — | 7 |
| 55927 | 26.1 | WEAK | BANK_INSTITUTIONAL | — | 5 |
| 55963 | 25.7 | WEAK | BANK_INSTITUTIONAL | — | 9 |
| 55955 | 24.3 | WEAK | BANK_INSTITUTIONAL | — | 5 |
| 55944 | 22.1 | WEAK | BANK_INSTITUTIONAL | 19 | 5 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/55940
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.