ZIP
56440
MN · County 27153 · pop 1,469 (population)
35.2
Opportunity Index
EARLY_SIGNALNational rank #9184
Why This ZIP
ZIP 56440 ranks #9184 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 27.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 56440 — 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 27153 — ZIP 56440 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27153 — ZIP 56440 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27153 — ZIP 56440 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 | 25.0 |
| Property Stress | 18.0 |
| Vacancy | 7.7 |
▼ Top 3 Risk Signals
| Bank Institutional | 81.9 |
| Construction Pressure | 78.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#9184
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp27.2
Pulse score40.6
Signal Breakdown — 10 Categories
Vacancy
7.7
Auction / REO
—
Construction Pressure
78.7
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
81.9
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
7.7%
Bank Score
81.9
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56440 | 40.6 | 18.8 | 0.0 | — |
| County 27153 | 37.2 | 17.9 | 0.0 | 28.3 |
| 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 |
|---|---|---|---|---|---|
| 56438 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 44 | 18 |
| 56466 | 39.4 | PEAK_OPPORTUNITY | VACANCY | 41 | 23 |
| 56482 | 37.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 15 |
| 56318 | 36.9 | PEAK_OPPORTUNITY | VACANCY | 44 | 17 |
| 56347 | 36.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 18 |
| 56360 | 36.5 | OVERHEATED | VACANCY | — | 17 |
| 56446 | 36.3 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56336 | 36.2 | WATCHLIST | VACANCY | 37 | 18 |
| 56319 | 36.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 56479 | 36.0 | EARLY_SIGNAL | VACANCY | 36 | 19 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/56440
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.