ZIP
55985
MN · County 27039 · pop 1,644 (population)
28.9
Opportunity Index
WEAKNational rank #25204
Why This ZIP
ZIP 55985 ranks #25204 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 25.7, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 55985 — 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 55985 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27039 — ZIP 55985 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27039 — ZIP 55985 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
| Vacancy | 12.3 |
| Property Stress | 6.0 |
| Foreclosure / Delinquency | 5.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 77.7 |
| Construction Pressure | 40.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#25204
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp25.7
Pulse score31.1
Signal Breakdown — 10 Categories
Vacancy
12.3
Auction / REO
—
Construction Pressure
40.4
FL Deep Bonus
—
Property Stress
6.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
77.7
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
12.3%
Bank Score
77.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 55985 | 31.1 | 4.4 | 0.0 | — |
| County 27039 | 23.2 | 4.5 | 0.0 | 9.0 |
| MN state avg | 27.6 | 9.0 | 0.0 | 23.0 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 55973 | 31.9 | EARLY_SIGNAL | VACANCY | — | 16 |
| 55946 | 29.6 | WEAK | BANK_INSTITUTIONAL | — | 13 |
| 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 |
| 55940 | 23.6 | WEAK | BANK_INSTITUTIONAL | 21 | 5 |
| 55944 | 22.1 | WEAK | BANK_INSTITUTIONAL | 19 | 5 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/55985
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.