ZIP
58045
ND · County 38097 · pop 2,181 (population)
36.2
Opportunity Index
EARLY_SIGNALNational rank #7060
Why This ZIP
ZIP 58045 ranks #7060 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 58045 — 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 38097 — ZIP 58045 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 38097 — ZIP 58045 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 38097 — ZIP 58045 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 | 34.0 |
| Listings Discount | 29.2 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 70.0 |
| Bank Institutional | 60.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#7060
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp34.7
Pulse score37.2
Signal Breakdown — 10 Categories
Vacancy
9.5
Auction / REO
—
Construction Pressure
70.0
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
29.2
Bank Institutional
60.9
Insurance Distress
0.0
Foreclosure / Delinquency
34.0
Top-Line Metrics
Avg DOM (days)
148.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.5%
Bank Score
60.9
Insurance Score
0.0
Listings Discount
29.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 58045 | 37.2 | 26.3 | 0.0 | 29.2 |
| County 38097 | 37.1 | 25.2 | 0.0 | 14.7 |
| ND state avg | 32.6 | 14.1 | 0.0 | 27.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 58218 | 40.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 26 |
| 58035 | 37.1 | OVERHEATED | VACANCY | — | 20 |
| 58257 | 36.9 | OVERHEATED | VACANCY | — | 26 |
| 58274 | 36.7 | OVERHEATED | BANK_INSTITUTIONAL | — | 26 |
| 58038 | 36.2 | EARLY_SIGNAL | VACANCY | — | 20 |
| 58048 | 35.1 | EARLY_SIGNAL | VACANCY | — | 15 |
| 58240 | 34.4 | EARLY_SIGNAL | VACANCY | — | 22 |
| 58016 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 26 |
| 58219 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 26 |
| 58223 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 26 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/58045
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.