ZIP
58231
ND · County 38099 · pop 451 (population)
37.0
Opportunity Index
PEAK_OPPORTUNITYNational rank #5752
Why This ZIP
ZIP 58231 ranks #5752 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 42.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 58231 — 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 38099 — ZIP 58231 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 38099 — ZIP 58231 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 38099 — ZIP 58231 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 | 58.1 |
| Foreclosure / Delinquency | 20.0 |
| Property Stress | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.4 |
| Construction Pressure | 12.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5752
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp42.5
Pulse score33.4
Signal Breakdown — 10 Categories
Vacancy
9.2
Auction / REO
—
Construction Pressure
12.2
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
58.1
Bank Institutional
68.4
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
5.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.2%
Bank Score
68.4
Insurance Score
0.0
Listings Discount
58.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 58231 | 33.4 | 14.3 | 0.0 | 58.1 |
| County 38099 | 30.9 | 16.3 | 0.0 | 28.9 |
| ND state avg | 32.6 | 14.1 | 0.0 | 27.8 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 58237 | 35.9 | WATCHLIST | BANK_INSTITUTIONAL | 54 | 18 |
| 58321 | 33.5 | WATCHLIST | VACANCY | 46 | 16 |
| 58225 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 58250 | 32.2 | EARLY_SIGNAL | VACANCY | — | 18 |
| 58227 | 32.1 | EARLY_SIGNAL | VACANCY | — | 18 |
| 56744 | 31.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 58261 | 31.0 | EARLY_SIGNAL | VACANCY | — | 15 |
| 58270 | 30.7 | WEAK | VACANCY | — | 18 |
| 58243 | 30.6 | WEAK | VACANCY | — | 18 |
| 58210 | 30.4 | WEAK | BANK_INSTITUTIONAL | — | 18 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/58231
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.