ZIP
76049
TX · County 48221 · pop 30,911 (population)
31.0
Opportunity Index
EARLY_SIGNALNational rank #19950
Why This ZIP
ZIP 76049 ranks #19950 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 33.2, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76049 — 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 48221 — ZIP 76049 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48221 — ZIP 76049 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48221 — ZIP 76049 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 | 28.0 |
| Property Stress | 17.0 |
| Vacancy | 8.8 |
▼ Top 3 Risk Signals
| Bank Institutional | 51.0 |
| Construction Pressure | 43.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19950
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp33.2
Pulse score29.6
Signal Breakdown — 10 Categories
Vacancy
8.8
Auction / REO
—
Construction Pressure
43.6
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
51.0
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
8.8%
Bank Score
51.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76049 | 29.6 | 20.3 | 0.0 | — |
| County 48221 | 30.0 | 19.1 | 0.0 | 7.3 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76433 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
| 76476 | 31.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 76462 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
| 76048 | 30.1 | WEAK | VACANCY | 16 | 17 |
| 76035 | 28.3 | WEAK | VACANCY | — | 9 |
| 76087 | 27.8 | WEAK | BANK_INSTITUTIONAL | 26 | 6 |
| 76033 | 25.6 | WEAK | BANK_INSTITUTIONAL | 18 | 10 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/76049
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.