ZIP
56540
MN · County 27119 · pop 1,838 (population)
32.6
Opportunity Index
EARLY_SIGNALNational rank #15565
Why This ZIP
ZIP 56540 ranks #15565 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 32.5, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 56540 — 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 27119 — ZIP 56540 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 27119 — ZIP 56540 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 27119 — ZIP 56540 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 | 28.0 |
| Property Stress | 19.0 |
| Vacancy | 9.3 |
▼ Top 3 Risk Signals
| Construction Pressure | 59.8 |
| Bank Institutional | 56.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#15565
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp32.5
Pulse score32.7
Signal Breakdown — 10 Categories
Vacancy
9.3
Auction / REO
—
Construction Pressure
59.8
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
56.3
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
9.3%
Bank Score
56.3
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 56540 | 32.7 | 18.6 | 0.0 | — |
| County 27119 | 33.0 | 16.7 | 0.0 | 15.3 |
| 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 |
|---|---|---|---|---|---|
| 56621 | 36.9 | OVERHEATED | VACANCY | — | 17 |
| 56644 | 36.7 | OVERHEATED | VACANCY | — | 17 |
| 56736 | 35.9 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56721 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 19 |
| 56535 | 35.2 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56592 | 33.9 | EARLY_SIGNAL | VACANCY | — | 19 |
| 56542 | 33.5 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56716 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 56762 | 32.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 56556 | 32.6 | EARLY_SIGNAL | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/56540
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.