ZIP
75644
TX · County 48459 · pop 12,785 (population)
39.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #2539
Why This ZIP
ZIP 75644 ranks #2539 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 43.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 75644 — 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 48459 — ZIP 75644 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48459 — ZIP 75644 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48459 — ZIP 75644 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 | 48.4 |
| Property Stress | 20.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 86.6 |
| Bank Institutional | 51.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2539
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp43.1
Pulse score37.3
Signal Breakdown — 10 Categories
Vacancy
12.6
Auction / REO
—
Construction Pressure
86.6
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
48.4
Bank Institutional
51.0
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
99.2
Price Cut %
17.9%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
12.6%
Bank Score
51.0
Insurance Score
0.0
Listings Discount
48.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75644 | 37.3 | 20.1 | 0.0 | 48.4 |
| County 48459 | 35.8 | 20.2 | 0.0 | 50.2 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75755 | 44.0 | STRONG_BUY | VACANCY | 60 | 20 |
| 75683 | 43.5 | STRONG_BUY | VACANCY | 59 | 20 |
| 75686 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 47 | 19 |
| 75647 | 38.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 21 |
| 75604 | 38.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 21 |
| 75645 | 37.7 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 49 | 20 |
| 75494 | 36.8 | OVERHEATED | VACANCY | 34 | 16 |
| 75765 | 36.6 | OVERHEATED | VACANCY | 33 | 16 |
| 75451 | 36.4 | PEAK_OPPORTUNITY | VACANCY | 40 | 20 |
| 75640 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/75644
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.