ZIP
56378
MN · County 27145 · pop 8,433 (population)
34.8
Opportunity Index
WATCHLISTNational rank #10107
Why This ZIP
ZIP 56378 ranks #10107 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 35.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 56378 — 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 27145 — ZIP 56378 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27145 — ZIP 56378 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27145 — ZIP 56378 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 | 38.4 |
| Foreclosure / Delinquency | 16.0 |
| Vacancy | 12.2 |
▼ Top 3 Risk Signals
| Construction Pressure | 82.4 |
| Bank Institutional | 61.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#10107
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp35.5
Pulse score34.4
Signal Breakdown — 10 Categories
Vacancy
12.2
Auction / REO
—
Construction Pressure
82.4
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
38.4
Bank Institutional
61.6
Insurance Distress
0.0
Foreclosure / Delinquency
16.0
Top-Line Metrics
Avg DOM (days)
79.0
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
12.2%
Bank Score
61.6
Insurance Score
0.0
Listings Discount
38.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56378 | 34.4 | 11.4 | 0.0 | 38.4 |
| County 27145 | 30.1 | 8.7 | 0.0 | 18.7 |
| 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 |
|---|---|---|---|---|---|
| 55329 | 36.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 11 |
| 56368 | 36.5 | PEAK_OPPORTUNITY | VACANCY | 42 | 9 |
| 56336 | 36.2 | WATCHLIST | VACANCY | 37 | 18 |
| 56385 | 34.3 | EARLY_SIGNAL | VACANCY | — | 15 |
| 56316 | 33.9 | EARLY_SIGNAL | VACANCY | — | 13 |
| 56362 | 33.5 | EARLY_SIGNAL | VACANCY | — | 10 |
| 55320 | 32.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 7 |
| 55389 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 11 |
| 56303 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 9 |
| 55353 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 10 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/56378
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.