ZIP
59821
MT · County 30063 · pop 2,822 (population)
37.2
Opportunity Index
OVERHEATEDNational rank #5383
Why This ZIP
ZIP 59821 ranks #5383 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 29.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 59821 — 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 30063 — ZIP 59821 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 30063 — ZIP 59821 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 30063 — ZIP 59821 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 | 41.0 |
| Property Stress | 23.0 |
| Vacancy | 14.4 |
▼ Top 3 Risk Signals
| Bank Institutional | 75.1 |
| Construction Pressure | 58.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#5383
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp29.6
Pulse score42.2
Signal Breakdown — 10 Categories
Vacancy
14.4
Auction / REO
—
Construction Pressure
58.0
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
75.1
Insurance Distress
0.0
Foreclosure / Delinquency
41.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
14.4%
Bank Score
75.1
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 59821 | 42.2 | 26.9 | 0.0 | — |
| County 30063 | 30.0 | 18.0 | 0.0 | 24.2 |
| MT state avg | 31.0 | 19.1 | 0.0 | 21.2 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 59820 | 35.4 | EARLY_SIGNAL | VACANCY | — | 28 |
| 59868 | 35.0 | EARLY_SIGNAL | VACANCY | 27 | 16 |
| 59833 | 34.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 30 | 18 |
| 59834 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
| 59825 | 33.0 | EARLY_SIGNAL | VACANCY | — | 18 |
| 59846 | 32.6 | EARLY_SIGNAL | VACANCY | 28 | 16 |
| 59826 | 32.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 59847 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 16 |
| 59804 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 16 |
| 59808 | 31.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 16 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/59821
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.