ZIP
59404
MT · County 30013 · pop 28,127 (population)
30.3
Opportunity Index
WEAKNational rank #21763
Why This ZIP
ZIP 59404 ranks #21763 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 59404 — 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 30013 — ZIP 59404 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 30013 — ZIP 59404 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 30013 — ZIP 59404 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 | 35.7 |
| Foreclosure / Delinquency | 20.0 |
| Property Stress | 16.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.6 |
| Construction Pressure | 3.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#21763
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp36.6
Pulse score26.1
Signal Breakdown — 10 Categories
Vacancy
6.8
Auction / REO
—
Construction Pressure
3.1
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
35.7
Bank Institutional
55.6
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
31.6
Price Cut %
17.7%
Short-Sale Listings
14
Auction Events 90d
—
Vacancy %
6.8%
Bank Score
55.6
Insurance Score
0.0
Listings Discount
35.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 59404 | 26.1 | 13.9 | 0.0 | 35.7 |
| County 30013 | 25.2 | 12.1 | 0.0 | 29.7 |
| MT state avg | 31.0 | 19.2 | 0.0 | 21.1 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 59465 | 33.5 | WATCHLIST | VACANCY | 48 | 16 |
| 59436 | 33.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 59468 | 32.3 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 47 | 17 |
| 59421 | 30.5 | WEAK | VACANCY | 24 | 16 |
| 59412 | 29.9 | WEAK | VACANCY | — | 16 |
| 59487 | 29.4 | WEAK | VACANCY | — | 16 |
| 59401 | 29.1 | WEAK | VACANCY | 32 | 16 |
| 59405 | 29.1 | WEAK | BANK_INSTITUTIONAL | 31 | 16 |
| 59480 | 27.5 | WEAK | VACANCY | — | 16 |
| 59414 | 27.5 | WEAK | VACANCY | — | 16 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/59404
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.