ZIP
63640
MO · County 29187 · pop 28,800 (population)
35.4
Opportunity Index
EARLY_SIGNALNational rank #8712
Why This ZIP
ZIP 63640 ranks #8712 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 63640 — 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 29187 — ZIP 63640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 29187 — ZIP 63640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 29187 — ZIP 63640 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 | 32.9 |
| Property Stress | 19.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 95.4 |
| Bank Institutional | 51.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8712
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp36.7
Pulse score34.6
Signal Breakdown — 10 Categories
Vacancy
9.7
Auction / REO
—
Construction Pressure
95.4
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
32.9
Bank Institutional
51.5
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
134.3
Price Cut %
7.5%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
9.7%
Bank Score
51.5
Insurance Score
0.0
Listings Discount
32.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 63640 | 34.6 | 18.4 | 0.0 | 32.9 |
| County 29187 | 36.9 | 18.8 | 0.0 | 38.6 |
| MO state avg | 31.0 | 15.1 | 0.0 | 32.9 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 63624 | 44.7 | STRONG_BUY | VACANCY | 55 | 22 |
| 63650 | 43.8 | STRONG_BUY | VACANCY | 53 | 25 |
| 63648 | 40.9 | STRONG_BUY | LISTINGS_DISCOUNT | 57 | 23 |
| 63601 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 48 | 19 |
| 63628 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 42 | 19 |
| 63036 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 44 | 19 |
| 63645 | 37.0 | PEAK_OPPORTUNITY | VACANCY | 44 | 24 |
| 63630 | 36.1 | EARLY_SIGNAL | VACANCY | — | 23 |
| 63020 | 35.0 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 13 |
| 63028 | 35.0 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 14 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/63640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.