ZIP
75638
TX · County 48343 · pop 5,363 (population)
38.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #3571
Why This ZIP
ZIP 75638 ranks #3571 nationally with phase PEAK_OPPORTUNITY. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 47.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 75638 — 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 48343 — ZIP 75638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48343 — ZIP 75638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48343 — ZIP 75638 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 | 59.4 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 22.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 53.6 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3571
PhasePEAK_OPPORTUNITY
Primary driverLISTINGS_DISCOUNT
Capital opp47.4
Pulse score32.7
Signal Breakdown — 10 Categories
Vacancy
9.1
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
59.4
Bank Institutional
53.6
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
148.3
Price Cut %
16.8%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.1%
Bank Score
53.6
Insurance Score
0.0
Listings Discount
59.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75638 | 32.7 | 24.5 | 0.0 | 59.4 |
| County 48343 | 34.2 | 24.4 | 0.0 | 55.7 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (6)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75668 | 39.9 | PEAK_OPPORTUNITY | VACANCY | 57 | 23 |
| 75568 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 52 | 25 |
| 75686 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 47 | 19 |
| 75571 | 38.4 | PEAK_OPPORTUNITY | VACANCY | 50 | 21 |
| 75656 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 42 | 25 |
| 75558 | 26.5 | WEAK | BANK_INSTITUTIONAL | — | 12 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/75638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.