ZIP
76520
TX · County 48331 · pop 8,098 (population)
30.9
Opportunity Index
EARLY_SIGNALNational rank #20233
Why This ZIP
ZIP 76520 ranks #20233 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 35.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76520 — 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 48331 — ZIP 76520 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48331 — ZIP 76520 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48331 — ZIP 76520 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 | 21.0 |
| Property Stress | 20.0 |
| Vacancy | 12.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 43.6 |
| Construction Pressure | 30.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#20233
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp35.3
Pulse score28.0
Signal Breakdown — 10 Categories
Vacancy
12.0
Auction / REO
—
Construction Pressure
30.4
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
43.6
Insurance Distress
0.0
Foreclosure / Delinquency
21.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
12.0%
Bank Score
43.6
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76520 | 28.0 | 19.9 | 0.0 | — |
| County 48331 | 30.0 | 20.4 | 0.0 | 19.0 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76570 | 40.0 | OVERHEATED | VACANCY | — | 33 |
| 76577 | 38.0 | PEAK_OPPORTUNITY | VACANCY | 44 | 19 |
| 77836 | 37.6 | PEAK_OPPORTUNITY | VACANCY | 48 | 29 |
| 76511 | 37.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 15 |
| 76567 | 35.9 | WATCHLIST | VACANCY | 46 | 21 |
| 76578 | 35.2 | WATCHLIST | VACANCY | 43 | 14 |
| 76519 | 33.5 | EARLY_SIGNAL | VACANCY | — | 21 |
| 76534 | 32.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 15 |
| 76518 | 32.1 | EARLY_SIGNAL | VACANCY | — | 20 |
| 76569 | 31.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 16 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76520
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.