ZIP
56138
MN · County 27133 · pop 1,046 (population)
33.5
Opportunity Index
EARLY_SIGNALNational rank #13257
Why This ZIP
ZIP 56138 ranks #13257 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 28.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 56138 — 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 27133 — ZIP 56138 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27133 — ZIP 56138 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27133 — ZIP 56138 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
| Foreclosure / Delinquency | 16.0 |
| Property Stress | 14.0 |
| Vacancy | 10.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 82.1 |
| Bank Institutional | 71.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#13257
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp28.5
Pulse score36.9
Signal Breakdown — 10 Categories
Vacancy
10.0
Auction / REO
—
Construction Pressure
82.1
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
71.3
Insurance Distress
0.0
Foreclosure / Delinquency
16.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
10.0%
Bank Score
71.3
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56138 | 36.9 | 14.6 | 0.0 | — |
| County 27133 | 32.0 | 14.6 | 0.0 | 19.6 |
| MN state avg | 27.7 | 9.0 | 0.0 | 23.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 56129 | 33.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 56144 | 33.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 57068 | 33.3 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 56 | 13 |
| 56128 | 32.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 56156 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 30 | 14 |
| 57030 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 13 |
| 56147 | 31.0 | EARLY_SIGNAL | VACANCY | — | 15 |
| 56146 | 30.7 | WEAK | VACANCY | — | 14 |
| 56158 | 30.4 | WEAK | VACANCY | — | 15 |
| 56173 | 30.2 | WEAK | VACANCY | — | 14 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/56138
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.