ZIP
55945
MN · County 27157 · pop 1,298 (population)
32.6
Opportunity Index
EARLY_SIGNALNational rank #15545
Why This ZIP
ZIP 55945 ranks #15545 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 29.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 55945 — 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 27157 — ZIP 55945 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27157 — ZIP 55945 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27157 — ZIP 55945 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 | 19.0 |
| Foreclosure / Delinquency | 19.0 |
| Vacancy | 8.3 |
▼ Top 3 Risk Signals
| Bank Institutional | 72.7 |
| Construction Pressure | 38.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#15545
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp29.3
Pulse score34.8
Signal Breakdown — 10 Categories
Vacancy
8.3
Auction / REO
—
Construction Pressure
38.6
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
72.7
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
8.3%
Bank Score
72.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55945 | 34.8 | 18.6 | 0.0 | — |
| County 27157 | 31.3 | 16.3 | 0.0 | 21.8 |
| MN state avg | 27.6 | 8.9 | 0.0 | 23.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 55981 | 35.7 | WATCHLIST | VACANCY | 38 | 19 |
| 55041 | 33.6 | EARLY_SIGNAL | VACANCY | 31 | 18 |
| 55991 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 55968 | 31.6 | EARLY_SIGNAL | VACANCY | — | 19 |
| 55956 | 30.4 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 55964 | 29.6 | WEAK | BANK_INSTITUTIONAL | 31 | 16 |
| 55027 | 29.0 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 55957 | 28.9 | WEAK | BANK_INSTITUTIONAL | — | 19 |
| 55932 | 28.1 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 55910 | 27.0 | WEAK | BANK_INSTITUTIONAL | — | 10 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/55945
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.