ZIP
58640
ND · County 38025 · pop 1,324 (population)
39.0
Opportunity Index
PEAK_OPPORTUNITYNational rank #3096
Why This ZIP
ZIP 58640 ranks #3096 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 35.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 58640 — 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 38025 — ZIP 58640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 38025 — ZIP 58640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 38025 — ZIP 58640 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 | 38.2 |
| Vacancy | 28.3 |
| Foreclosure / Delinquency | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 66.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3096
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp35.5
Pulse score41.4
Signal Breakdown — 10 Categories
Vacancy
28.3
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
38.2
Bank Institutional
66.1
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
1.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
28.3%
Bank Score
66.1
Insurance Score
0.0
Listings Discount
38.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 58640 | 41.4 | 17.4 | 0.0 | 38.2 |
| County 38025 | 36.8 | 15.8 | 0.0 | 32.9 |
| 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 |
|---|---|---|---|---|---|
| 58652 | 40.6 | PEAK_OPPORTUNITY | VACANCY | 51 | 15 |
| 58854 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 39 | 25 |
| 58636 | 37.8 | OVERHEATED | VACANCY | — | 17 |
| 58601 | 36.7 | PEAK_OPPORTUNITY | VACANCY | 41 | 15 |
| 58638 | 36.2 | EARLY_SIGNAL | VACANCY | — | 16 |
| 58757 | 35.1 | EARLY_SIGNAL | VACANCY | — | 19 |
| 58630 | 35.0 | EARLY_SIGNAL | VACANCY | 36 | 15 |
| 58656 | 35.0 | EARLY_SIGNAL | VACANCY | — | 15 |
| 58626 | 34.3 | EARLY_SIGNAL | VACANCY | — | 17 |
| 58642 | 32.4 | EARLY_SIGNAL | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/58640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.