ZIP
76431
TX · County 48497 · pop 4,480 (population)
40.2
Opportunity Index
PEAK_OPPORTUNITYNational rank #1990
Why This ZIP
ZIP 76431 ranks #1990 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 42.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76431 — 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 48497 — ZIP 76431 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48497 — ZIP 76431 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48497 — ZIP 76431 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 | 55.8 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 66.7 |
| Construction Pressure | 64.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1990
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp42.6
Pulse score38.6
Signal Breakdown — 10 Categories
Vacancy
8.8
Auction / REO
—
Construction Pressure
64.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
55.8
Bank Institutional
66.7
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
42.0
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
8.8%
Bank Score
66.7
Insurance Score
0.0
Listings Discount
55.8
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76431 | 38.6 | 20.1 | 0.0 | 55.8 |
| County 48497 | 30.0 | 11.3 | 0.0 | 17.3 |
| 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 |
|---|---|---|---|---|---|
| 76458 | 45.6 | OVERHEATED | VACANCY | — | 45 |
| 76270 | 36.6 | PEAK_OPPORTUNITY | VACANCY | 46 | 19 |
| 76078 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 10 |
| 76259 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 43 | 11 |
| 76052 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 11 |
| 76249 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 41 | 11 |
| 76426 | 31.0 | EARLY_SIGNAL | VACANCY | 23 | 14 |
| 76082 | 30.5 | WEAK | BANK_INSTITUTIONAL | 34 | 7 |
| 76073 | 30.1 | WEAK | BANK_INSTITUTIONAL | — | 10 |
| 76225 | 30.0 | WEAK | BANK_INSTITUTIONAL | — | 10 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/76431
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.