ZIP
76366
TX · County 48009 · pop 2,096 (population)
34.1
Opportunity Index
EARLY_SIGNALNational rank #11703
Why This ZIP
ZIP 76366 ranks #11703 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 25.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76366 — 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 48009 — ZIP 76366 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48009 — ZIP 76366 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48009 — ZIP 76366 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 | 18.0 |
| Vacancy | 12.9 |
| Property Stress | 10.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 90.9 |
| Bank Institutional | 80.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#11703
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp25.8
Pulse score39.7
Signal Breakdown — 10 Categories
Vacancy
12.9
Auction / REO
—
Construction Pressure
90.9
FL Deep Bonus
—
Property Stress
10.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
80.8
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
12.9%
Bank Score
80.8
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76366 | 39.7 | 12.2 | 0.0 | — |
| County 48009 | 33.0 | 14.4 | 0.0 | 22.5 |
| 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 |
|---|---|---|---|---|---|
| 76389 | 35.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 76351 | 34.0 | EARLY_SIGNAL | VACANCY | — | 10 |
| 76360 | 33.5 | EARLY_SIGNAL | VACANCY | — | 13 |
| 76310 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 13 |
| 76308 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 34 | 12 |
| 76370 | 32.0 | EARLY_SIGNAL | VACANCY | — | 10 |
| 76302 | 29.8 | WEAK | BANK_INSTITUTIONAL | 24 | 13 |
| 76379 | 29.1 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 76374 | 28.0 | WEAK | VACANCY | — | 13 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/76366
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.