ZIP
64865
MO · County 29145 · pop 5,260 (population)
37.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #4406
Why This ZIP
ZIP 64865 ranks #4406 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 64865 — 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 29145 — ZIP 64865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 29145 — ZIP 64865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 29145 — ZIP 64865 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 | 43.8 |
| Property Stress | 20.0 |
| Foreclosure / Delinquency | 20.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.7 |
| Construction Pressure | 56.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4406
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp37.8
Pulse score38.0
Signal Breakdown — 10 Categories
Vacancy
12.2
Auction / REO
—
Construction Pressure
56.2
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
43.8
Bank Institutional
68.7
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
88.3
Price Cut %
2.0%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
12.2%
Bank Score
68.7
Insurance Score
0.0
Listings Discount
43.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 64865 | 38.0 | 19.6 | 0.0 | 43.8 |
| County 29145 | 36.0 | 19.1 | 0.0 | 43.7 |
| 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 |
|---|---|---|---|---|---|
| 64844 | 41.9 | STRONG_BUY | VACANCY | 57 | 19 |
| 64862 | 40.9 | STRONG_BUY | VACANCY | 58 | 16 |
| 64843 | 40.6 | PEAK_OPPORTUNITY | VACANCY | 50 | 20 |
| 64850 | 38.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 20 |
| 64840 | 37.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 19 |
| 64804 | 36.3 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 19 |
| 65734 | 35.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 23 |
| 65723 | 34.9 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 18 |
| 64867 | 33.7 | EARLY_SIGNAL | VACANCY | — | 20 |
| 64842 | 32.4 | EARLY_SIGNAL | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/64865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.