ZIP
55946
MN · County 27049 · pop 3,366 (population)
29.4
Opportunity Index
WEAKNational rank #23947
Why This ZIP
ZIP 55946 ranks #23947 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 27.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 55946 — 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 27049 — ZIP 55946 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27049 — ZIP 55946 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27049 — ZIP 55946 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 | 12.0 |
| Foreclosure / Delinquency | 7.0 |
| Vacancy | 4.8 |
▼ Top 3 Risk Signals
| Bank Institutional | 72.8 |
| Construction Pressure | 41.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#23947
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp27.8
Pulse score30.4
Signal Breakdown — 10 Categories
Vacancy
4.8
Auction / REO
—
Construction Pressure
41.2
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
72.8
Insurance Distress
0.0
Foreclosure / Delinquency
7.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
4.8%
Bank Score
72.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55946 | 30.4 | 10.9 | 0.0 | — |
| County 27049 | 28.2 | 10.3 | 0.0 | 18.9 |
| 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 |
|---|---|---|---|---|---|
| 55041 | 33.6 | EARLY_SIGNAL | VACANCY | 31 | 18 |
| 55066 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 12 |
| 55053 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 55089 | 30.9 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 43 | 12 |
| 55956 | 30.4 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 55018 | 30.1 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 55026 | 29.0 | WEAK | VACANCY | — | 12 |
| 55027 | 29.0 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 55983 | 29.0 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 55985 | 28.9 | WEAK | BANK_INSTITUTIONAL | — | 6 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/55946
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.