ZIP
76086
TX · County 48367 · pop 22,900 (population)
24.0
Opportunity Index
WEAKNational rank #32591
Why This ZIP
ZIP 76086 ranks #32591 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 25.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76086 — 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 48367 — ZIP 76086 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48367 — ZIP 76086 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48367 — ZIP 76086 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 | 10.2 |
| Vacancy | 10.2 |
| Property Stress | 6.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 61.1 |
| Bank Institutional | 51.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#32591
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp25.0
Pulse score23.4
Signal Breakdown — 10 Categories
Vacancy
10.2
Auction / REO
—
Construction Pressure
61.1
FL Deep Bonus
—
Property Stress
6.0
HOA / Federal Liens
—
Listings Discount
10.2
Bank Institutional
51.3
Insurance Distress
0.0
Foreclosure / Delinquency
5.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
10.2%
Bank Score
51.3
Insurance Score
0.0
Listings Discount
10.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76086 | 23.4 | 5.3 | 0.0 | 10.2 |
| County 48367 | 25.2 | 6.7 | 0.0 | 20.5 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76067 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 51 | 20 |
| 76486 | 38.7 | OVERHEATED | VACANCY | — | 34 |
| 76108 | 33.5 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 9 |
| 76462 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 13 |
| 76049 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 76082 | 30.5 | WEAK | BANK_INSTITUTIONAL | 34 | 7 |
| 76066 | 29.9 | WEAK | VACANCY | — | 6 |
| 76023 | 29.6 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 76126 | 29.5 | WEAK | BANK_INSTITUTIONAL | 29 | 9 |
| 76487 | 28.7 | WEAK | VACANCY | 23 | 11 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/76086
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.