ZIP
57104
SD · County 46099 · pop 27,406 (population)
31.1
Opportunity Index
EARLY_SIGNALNational rank #19631
Why This ZIP
ZIP 57104 ranks #19631 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 57104 — 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 46099 — ZIP 57104 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 46099 — ZIP 57104 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 46099 — ZIP 57104 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 | 34.5 |
| Property Stress | 12.0 |
| Vacancy | 11.2 |
▼ Top 3 Risk Signals
| Bank Institutional | 60.1 |
| Construction Pressure | 30.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#19631
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp34.3
Pulse score29.0
Signal Breakdown — 10 Categories
Vacancy
11.2
Auction / REO
—
Construction Pressure
30.8
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
34.5
Bank Institutional
60.1
Insurance Distress
0.0
Foreclosure / Delinquency
6.0
Top-Line Metrics
Avg DOM (days)
56.0
Price Cut %
—%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
11.2%
Bank Score
60.1
Insurance Score
0.0
Listings Discount
34.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 57104 | 29.0 | 10.7 | 0.0 | 34.5 |
| County 46099 | 28.0 | 10.8 | 0.0 | 38.2 |
| SD state avg | 30.4 | 14.7 | 0.0 | 25.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 57053 | 37.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 21 |
| 57048 | 36.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 28 |
| 57022 | 35.9 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 21 |
| 57003 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 54 | 12 |
| 57033 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 52 | 12 |
| 57035 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 14 |
| 57005 | 33.5 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 12 |
| 57068 | 33.3 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 56 | 13 |
| 57105 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 43 | 12 |
| 57015 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/57104
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.