ZIP
56304
MN · County 27141 · pop 17,281 (population)
25.6
Opportunity Index
WEAKNational rank #31081
Why This ZIP
ZIP 56304 ranks #31081 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 26.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 56304 — 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 27141 — ZIP 56304 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27141 — ZIP 56304 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27141 — ZIP 56304 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 | 19.6 |
| Vacancy | 6.4 |
| Property Stress | 5.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.5 |
| Construction Pressure | 52.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#31081
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp26.0
Pulse score25.4
Signal Breakdown — 10 Categories
Vacancy
6.4
Auction / REO
—
Construction Pressure
52.6
FL Deep Bonus
—
Property Stress
5.0
HOA / Federal Liens
—
Listings Discount
19.6
Bank Institutional
64.5
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
110.1
Price Cut %
4.3%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
6.4%
Bank Score
64.5
Insurance Score
0.0
Listings Discount
19.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56304 | 25.4 | 3.8 | 0.0 | 19.6 |
| County 27141 | 26.3 | 3.8 | 0.0 | 31.9 |
| MN state avg | 27.6 | 8.9 | 0.0 | 23.0 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 55309 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 45 | 5 |
| 55308 | 29.5 | WEAK | BANK_INSTITUTIONAL | 36 | 5 |
| 55371 | 29.0 | WEAK | BANK_INSTITUTIONAL | 33 | 9 |
| 55319 | 28.8 | WEAK | VACANCY | 37 | 5 |
| 55330 | 27.7 | WEAK | BANK_INSTITUTIONAL | 28 | 4 |
| 55398 | 26.7 | WEAK | BANK_INSTITUTIONAL | 28 | 5 |
| 56329 | 24.6 | WEAK | BANK_INSTITUTIONAL | — | 7 |
| 56379 | 22.2 | WEAK | BANK_INSTITUTIONAL | 17 | 5 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/56304
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.