ZIP
59638
MT · County 30043 · pop 511 (population)
28.3
Opportunity Index
WEAKNational rank #26496
Why This ZIP
ZIP 59638 ranks #26496 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 32.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 59638 — 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 30043 — ZIP 59638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 30043 — ZIP 59638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 30043 — ZIP 59638 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 | 37.0 |
| Property Stress | 24.0 |
| Listings Discount | 11.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 86.4 |
| Bank Institutional | 31.5 |
⚠ Missing Data
VacancyAuction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#26496
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp32.9
Pulse score25.3
Signal Breakdown — 10 Categories
Vacancy
0.0
Auction / REO
—
Construction Pressure
86.4
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
11.0
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
37.0
Top-Line Metrics
Avg DOM (days)
41.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
0.0%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
11.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 59638 | 25.3 | 22.2 | 0.0 | 11.0 |
| County 30043 | 35.6 | 23.0 | 0.0 | 17.0 |
| MT state avg | 31.2 | 19.5 | 0.0 | 21.1 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 59632 | 39.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 36 | 27 |
| 59634 | 37.7 | OVERHEATED | BANK_INSTITUTIONAL | — | 27 |
| 59759 | 36.6 | OVERHEATED | BANK_INSTITUTIONAL | — | 24 |
| 59721 | 36.5 | OVERHEATED | VACANCY | — | 25 |
| 59631 | 35.4 | EARLY_SIGNAL | VACANCY | — | 24 |
| 59752 | 34.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 20 |
| 59701 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 25 | 20 |
| 59635 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 26 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/59638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.