ZIP
75189
TX · County 48397 · pop 44,348 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14532
Why This ZIP
ZIP 75189 ranks #14532 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 75189 — 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 48397 — ZIP 75189 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48397 — ZIP 75189 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48397 — ZIP 75189 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 | 37.6 |
| Property Stress | 12.0 |
| Foreclosure / Delinquency | 11.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 70.4 |
| Bank Institutional | 64.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14532
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp34.6
Pulse score32.0
Signal Breakdown — 10 Categories
Vacancy
4.4
Auction / REO
—
Construction Pressure
70.4
FL Deep Bonus
—
Property Stress
12.0
HOA / Federal Liens
—
Listings Discount
37.6
Bank Institutional
64.8
Insurance Distress
0.0
Foreclosure / Delinquency
11.0
Top-Line Metrics
Avg DOM (days)
71.2
Price Cut %
—%
Short-Sale Listings
4
Auction Events 90d
—
Vacancy %
4.4%
Bank Score
64.8
Insurance Score
0.0
Listings Discount
37.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75189 | 32.0 | 12.1 | 0.0 | 37.6 |
| County 48397 | 28.6 | 11.3 | 0.0 | 21.6 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75126 | 31.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 12 |
| 75089 | 31.0 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 34 | 16 |
| 75088 | 30.5 | WEAK | BANK_INSTITUTIONAL | — | 16 |
| 75098 | 29.7 | WEAK | BANK_INSTITUTIONAL | — | 12 |
| 75087 | 28.4 | WEAK | BANK_INSTITUTIONAL | 20 | 12 |
| 75032 | 27.8 | WEAK | BANK_INSTITUTIONAL | 17 | 12 |
| 75160 | 27.7 | WEAK | BANK_INSTITUTIONAL | 17 | 12 |
| 75132 | 25.0 | WEAK | BANK_INSTITUTIONAL | — | 4 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/75189
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.