ZIP
75865
TX · County 48455 · pop 0 (equal)
29.3
Opportunity Index
WEAKNational rank #24173
Why This ZIP
ZIP 75865 ranks #24173 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.8, signal coverage 5/10 (63% data coverage, MEDIUM confidence).
ZIP 75865 — 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 48455 — ZIP 75865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48455 — ZIP 75865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48455 — ZIP 75865 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
| Foreclosure / Delinquency | 48.0 |
| Property Stress | 24.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 35.0 |
⚠ Missing Data
VacancyAuction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings Discount
Coverage: 63%
Confidence: MEDIUM
⇅ Rank
National rank#24173
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp37.8
Pulse score23.6
Signal Breakdown — 10 Categories
Vacancy
—
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
35.0
Insurance Distress
0.0
Foreclosure / Delinquency
48.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
—%
Bank Score
35.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75865 | 23.6 | 28.8 | 0.0 | — |
| County 48455 | 42.2 | 33.8 | 0.0 | 39.3 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75851 | 47.7 | STRONG_BUY | VACANCY | 59 | 27 |
| 75862 | 47.1 | STRONG_BUY | VACANCY | 56 | 34 |
| 75847 | 41.5 | OVERHEATED | VACANCY | — | 28 |
| 75845 | 40.0 | OVERHEATED | VACANCY | — | 38 |
| 75926 | 37.2 | OVERHEATED | VACANCY | — | 38 |
| 75904 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 22 |
| 75856 | 34.8 | EARLY_SIGNAL | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/75865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.