ZIP
76104
TX · County 48439 · pop 20,694 (population)
33.2
Opportunity Index
EARLY_SIGNALNational rank #14011
Why This ZIP
ZIP 76104 ranks #14011 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 35.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76104 — 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 48439 — ZIP 76104 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48439 — ZIP 76104 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48439 — ZIP 76104 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 | 36.3 |
| Vacancy | 18.3 |
| Foreclosure / Delinquency | 12.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 57.5 |
| Construction Pressure | 51.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14011
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp35.1
Pulse score31.9
Signal Breakdown — 10 Categories
Vacancy
18.3
Auction / REO
—
Construction Pressure
51.7
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
36.3
Bank Institutional
57.5
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
101.7
Price Cut %
—%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
18.3%
Bank Score
57.5
Insurance Score
0.0
Listings Discount
36.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76104 | 31.9 | 10.6 | 0.0 | 36.3 |
| County 48439 | 27.4 | 10.6 | 0.0 | 20.6 |
| 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 |
|---|---|---|---|---|---|
| 76148 | 34.1 | WATCHLIST | BANK_INSTITUTIONAL | 50 | 10 |
| 76140 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 10 |
| 76108 | 33.5 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 9 |
| 76052 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 11 |
| 76179 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 10 |
| 76005 | 32.2 | EARLY_SIGNAL | VACANCY | 45 | 10 |
| 76017 | 32.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 10 |
| 76022 | 32.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 10 |
| 76137 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 39 | 10 |
| 76117 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 10 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/76104
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.