ZIP
76108
TX · County 48439 · pop 44,762 (population)
33.5
Opportunity Index
WATCHLISTNational rank #13252
Why This ZIP
ZIP 76108 ranks #13252 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76108 — 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 76108 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48439 — ZIP 76108 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48439 — ZIP 76108 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 | 44.4 |
| Vacancy | 10.2 |
| Foreclosure / Delinquency | 10.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.8 |
| Construction Pressure | 51.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#13252
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp37.7
Pulse score30.7
Signal Breakdown — 10 Categories
Vacancy
10.2
Auction / REO
—
Construction Pressure
51.8
FL Deep Bonus
—
Property Stress
9.0
HOA / Federal Liens
—
Listings Discount
44.4
Bank Institutional
59.8
Insurance Distress
0.0
Foreclosure / Delinquency
10.0
Top-Line Metrics
Avg DOM (days)
2.5
Price Cut %
—%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
10.2%
Bank Score
59.8
Insurance Score
0.0
Listings Discount
44.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76108 | 30.7 | 9.1 | 0.0 | 44.4 |
| County 48439 | 27.4 | 10.6 | 0.0 | 20.6 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 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 |
| 76104 | 33.2 | EARLY_SIGNAL | VACANCY | 36 | 10 |
| 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, 3:35:57 AM
API: /api/economic-pulse/zip/76108
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.