ZIP
75965
TX · County 48347 · pop 18,350 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14527
Why This ZIP
ZIP 75965 ranks #14527 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 75965 — 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 48347 — ZIP 75965 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48347 — ZIP 75965 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48347 — ZIP 75965 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 | 25.4 |
| Property Stress | 22.0 |
| Foreclosure / Delinquency | 21.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 59.1 |
| Bank Institutional | 52.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14527
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp34.1
Pulse score32.3
Signal Breakdown — 10 Categories
Vacancy
9.7
Auction / REO
—
Construction Pressure
59.1
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
25.4
Bank Institutional
52.2
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
77.5
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.7%
Bank Score
52.2
Insurance Score
0.0
Listings Discount
25.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 75965 | 32.3 | 22.8 | 0.0 | 25.4 |
| County 48347 | 34.6 | 22.3 | 0.0 | 14.9 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75946 | 41.1 | STRONG_BUY | VACANCY | 55 | 22 |
| 75944 | 41.0 | STRONG_BUY | VACANCY | 57 | 22 |
| 75760 | 36.3 | EARLY_SIGNAL | VACANCY | — | 22 |
| 75964 | 34.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 75937 | 33.7 | EARLY_SIGNAL | VACANCY | — | 22 |
| 75961 | 33.5 | EARLY_SIGNAL | VACANCY | 21 | 22 |
| 75943 | 30.6 | WEAK | BANK_INSTITUTIONAL | — | 22 |
| 75962 | 29.8 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 75788 | 29.5 | WEAK | VACANCY | — | 10 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/75965
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.