ZIP
75654
TX · County 48401 · pop 12,184 (population)
38.7
Opportunity Index
PEAK_OPPORTUNITYNational rank #3446
Why This ZIP
ZIP 75654 ranks #3446 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 45.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 75654 — 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 48401 — ZIP 75654 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48401 — ZIP 75654 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48401 — ZIP 75654 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 | 53.0 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 25.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 54.2 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3446
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp45.4
Pulse score34.2
Signal Breakdown — 10 Categories
Vacancy
13.4
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
53.0
Bank Institutional
54.2
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
172.4
Price Cut %
19.2%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
13.4%
Bank Score
54.2
Insurance Score
0.0
Listings Discount
53.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75654 | 34.2 | 26.1 | 0.0 | 53.0 |
| County 48401 | 35.1 | 25.4 | 0.0 | 47.4 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75975 | 43.5 | STRONG_BUY | VACANCY | 56 | 33 |
| 75669 | 41.9 | STRONG_BUY | VACANCY | 60 | 24 |
| 75946 | 41.1 | STRONG_BUY | VACANCY | 55 | 22 |
| 75662 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 53 | 22 |
| 75684 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 51 | 25 |
| 75691 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 58 | 24 |
| 75603 | 39.4 | PEAK_OPPORTUNITY | VACANCY | 49 | 21 |
| 75652 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 50 | 25 |
| 75789 | 37.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 22 |
| 75760 | 36.3 | EARLY_SIGNAL | VACANCY | — | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/75654
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.