ZIP
60438
IL · County 17031 · pop 28,802 (population)
38.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #3234
Why This ZIP
ZIP 60438 ranks #3234 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 60438 — 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 17031 — ZIP 60438 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 17031 — ZIP 60438 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 17031 — ZIP 60438 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 | 53.2 |
| Property Stress | 18.0 |
| Foreclosure / Delinquency | 14.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 73.1 |
| Bank Institutional | 59.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3234
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp43.1
Pulse score36.1
Signal Breakdown — 10 Categories
Vacancy
7.6
Auction / REO
—
Construction Pressure
73.1
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
53.2
Bank Institutional
59.8
Insurance Distress
0.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
91.3
Price Cut %
12.7%
Short-Sale Listings
9
Auction Events 90d
—
Vacancy %
7.6%
Bank Score
59.8
Insurance Score
0.0
Listings Discount
53.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 60438 | 36.1 | 15.5 | 0.0 | 53.2 |
| County 17031 | 33.0 | 15.3 | 0.0 | 33.8 |
| IL state avg | 30.7 | 11.1 | 0.0 | 33.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 60426 | 42.4 | STRONG_BUY | VACANCY | 56 | 18 |
| 60428 | 40.8 | STRONG_BUY | BANK_INSTITUTIONAL | 55 | 18 |
| 60466 | 40.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 58 | 16 |
| 60419 | 39.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 51 | 18 |
| 60425 | 39.2 | PEAK_OPPORTUNITY | VACANCY | 50 | 18 |
| 60475 | 39.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 16 |
| 60430 | 39.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 56 | 18 |
| 60409 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 50 | 18 |
| 60411 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 49 | 18 |
| 60461 | 38.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 18 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/60438
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.