ZIP
59038
MT · County 30103 · pop 683 (population)
32.1
Opportunity Index
EARLY_SIGNALNational rank #16948
Why This ZIP
ZIP 59038 ranks #16948 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 30.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 59038 — 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 30103 — ZIP 59038 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 30103 — ZIP 59038 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 30103 — ZIP 59038 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 | 30.0 |
| Vacancy | 20.8 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.9 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#16948
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp30.6
Pulse score33.1
Signal Breakdown — 10 Categories
Vacancy
20.8
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
64.9
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
20.8%
Bank Score
64.9
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 59038 | 33.1 | 19.9 | 0.0 | — |
| County 30103 | 30.6 | 19.6 | 0.0 | — |
| MT state avg | 31.0 | 19.1 | 0.0 | 21.2 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (2)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 59076 | 29.7 | WEAK | VACANCY | — | 16 |
| 59010 | 25.7 | WEAK | BANK_INSTITUTIONAL | — | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/59038
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.