ZIP
56120
MN · County 27165 · pop 925 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14515
Why This ZIP
ZIP 56120 ranks #14515 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 56120 — 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 27165 — ZIP 56120 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27165 — ZIP 56120 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27165 — ZIP 56120 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 | 21.0 |
| Foreclosure / Delinquency | 19.0 |
| Vacancy | 11.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.7 |
| Construction Pressure | 27.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#14515
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.1
Pulse score34.9
Signal Breakdown — 10 Categories
Vacancy
11.0
Auction / REO
—
Construction Pressure
27.8
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
70.7
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
11.0%
Bank Score
70.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56120 | 34.9 | 19.8 | 0.0 | — |
| County 27165 | 33.0 | 18.6 | 0.0 | 37.3 |
| MN state avg | 27.7 | 9.0 | 0.0 | 23.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 56081 | 37.7 | PEAK_OPPORTUNITY | VACANCY | 53 | 20 |
| 56162 | 35.5 | EARLY_SIGNAL | VACANCY | — | 16 |
| 56022 | 34.8 | EARLY_SIGNAL | VACANCY | — | 21 |
| 56160 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 56056 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 21 |
| 56019 | 31.0 | EARLY_SIGNAL | VACANCY | — | 17 |
| 56062 | 30.8 | WEAK | BANK_INSTITUTIONAL | 31 | 19 |
| 56088 | 29.2 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 56060 | 28.6 | WEAK | VACANCY | — | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/56120
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.