ZIP
75860
TX · County 48161 · pop 6,451 (population)
40.4
Opportunity Index
PEAK_OPPORTUNITYNational rank #1895
Why This ZIP
ZIP 75860 ranks #1895 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 46.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 75860 — 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 48161 — ZIP 75860 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48161 — ZIP 75860 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48161 — ZIP 75860 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 | 57.8 |
| Vacancy | 29.0 |
| Foreclosure / Delinquency | 27.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 54.7 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1895
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp46.8
Pulse score36.1
Signal Breakdown — 10 Categories
Vacancy
29.0
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
57.8
Bank Institutional
54.7
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
31.3
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
29.0%
Bank Score
54.7
Insurance Score
0.0
Listings Discount
57.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75860 | 36.1 | 24.3 | 0.0 | 57.8 |
| County 48161 | 35.3 | 25.1 | 0.0 | 42.3 |
| 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 |
|---|---|---|---|---|---|
| 75831 | 44.1 | STRONG_BUY | VACANCY | 58 | 33 |
| 75855 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 38 | 31 |
| 76693 | 36.5 | OVERHEATED | VACANCY | — | 21 |
| 75840 | 36.2 | WATCHLIST | VACANCY | 41 | 23 |
| 76667 | 36.2 | WATCHLIST | VACANCY | 37 | 23 |
| 75859 | 32.3 | EARLY_SIGNAL | VACANCY | 23 | 21 |
| 75838 | 31.1 | EARLY_SIGNAL | VACANCY | — | 14 |
| 75848 | 30.9 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/75860
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.