ZIP
56097
MN · County 27043 · pop 3,593 (population)
37.2
Opportunity Index
PEAK_OPPORTUNITYNational rank #5428
Why This ZIP
ZIP 56097 ranks #5428 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 56097 — 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 27043 — ZIP 56097 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27043 — ZIP 56097 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27043 — ZIP 56097 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 | 57.1 |
| Foreclosure / Delinquency | 18.0 |
| Property Stress | 17.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 62.1 |
| Construction Pressure | 11.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5428
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp43.9
Pulse score32.8
Signal Breakdown — 10 Categories
Vacancy
9.9
Auction / REO
—
Construction Pressure
11.2
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
57.1
Bank Institutional
62.1
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
80.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
9.9%
Bank Score
62.1
Insurance Score
0.0
Listings Discount
57.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56097 | 32.8 | 16.3 | 0.0 | 57.1 |
| County 27043 | 33.8 | 16.3 | 0.0 | 27.8 |
| MN state avg | 27.6 | 9.0 | 0.0 | 23.0 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 56051 | 42.9 | STRONG_BUY | VACANCY | 63 | 18 |
| 56014 | 34.1 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56098 | 33.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 56033 | 33.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 56025 | 33.6 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56068 | 33.3 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 53 | 16 |
| 56013 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 29 | 17 |
| 56039 | 31.0 | EARLY_SIGNAL | VACANCY | — | 14 |
| 56027 | 30.3 | WEAK | VACANCY | — | 17 |
| 56023 | 30.1 | WEAK | VACANCY | — | 18 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/56097
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.