ZIP
56431
MN · County 27001 · pop 9,142 (population)
35.2
Opportunity Index
EARLY_SIGNALNational rank #9184
Why This ZIP
ZIP 56431 ranks #9184 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 33.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 56431 — 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 27001 — ZIP 56431 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27001 — ZIP 56431 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27001 — ZIP 56431 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
| Vacancy | 44.9 |
| Listings Discount | 32.3 |
| Foreclosure / Delinquency | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 66.2 |
| Construction Pressure | 36.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9184
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp33.6
Pulse score36.3
Signal Breakdown — 10 Categories
Vacancy
44.9
Auction / REO
—
Construction Pressure
36.7
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
32.3
Bank Institutional
66.2
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
85.1
Price Cut %
16.1%
Short-Sale Listings
6
Auction Events 90d
—
Vacancy %
44.9%
Bank Score
66.2
Insurance Score
0.0
Listings Discount
32.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56431 | 36.3 | 19.5 | 0.0 | 32.3 |
| County 27001 | 35.9 | 19.3 | 0.0 | 28.0 |
| 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 |
|---|---|---|---|---|---|
| 55783 | 38.0 | PEAK_OPPORTUNITY | VACANCY | 43 | 17 |
| 56342 | 36.7 | PEAK_OPPORTUNITY | VACANCY | 38 | 17 |
| 55798 | 36.2 | WATCHLIST | VACANCY | 47 | 21 |
| 55748 | 36.2 | EARLY_SIGNAL | VACANCY | — | 19 |
| 55760 | 36.0 | EARLY_SIGNAL | VACANCY | 35 | 19 |
| 56469 | 35.8 | WATCHLIST | VACANCY | 43 | 19 |
| 55735 | 34.5 | EARLY_SIGNAL | VACANCY | — | 18 |
| 55785 | 32.5 | EARLY_SIGNAL | VACANCY | — | 21 |
| 56350 | 31.7 | EARLY_SIGNAL | VACANCY | — | 19 |
| 55752 | 31.6 | EARLY_SIGNAL | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/56431
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.