ZIP
76528
TX · County 48099 · pop 18,490 (population)
40.9
Opportunity Index
STRONG_BUYNational rank #1539
Why This ZIP
ZIP 76528 ranks #1539 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76528 — 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 48099 — ZIP 76528 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48099 — ZIP 76528 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48099 — ZIP 76528 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 | 47.3 |
| Foreclosure / Delinquency | 33.0 |
| Property Stress | 27.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 66.2 |
| Bank Institutional | 56.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1539
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp43.2
Pulse score39.4
Signal Breakdown — 10 Categories
Vacancy
10.2
Auction / REO
—
Construction Pressure
66.2
FL Deep Bonus
—
Property Stress
27.0
HOA / Federal Liens
—
Listings Discount
47.3
Bank Institutional
56.1
Insurance Distress
0.0
Foreclosure / Delinquency
33.0
Top-Line Metrics
Avg DOM (days)
133.0
Price Cut %
7.0%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
10.2%
Bank Score
56.1
Insurance Score
0.0
Listings Discount
47.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76528 | 39.4 | 29.4 | 0.0 | 47.3 |
| County 48099 | 38.6 | 26.1 | 0.0 | 31.8 |
| 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 |
|---|---|---|---|---|---|
| 76525 | 44.4 | STRONG_BUY | VACANCY | 56 | 25 |
| 76539 | 42.1 | STRONG_BUY | VACANCY | 49 | 31 |
| 76522 | 42.0 | STRONG_BUY | BANK_INSTITUTIONAL | 52 | 28 |
| 76538 | 41.2 | STRONG_BUY | VACANCY | 57 | 23 |
| 76634 | 39.3 | OVERHEATED | VACANCY | — | 29 |
| 76561 | 38.4 | OVERHEATED | VACANCY | — | 25 |
| 76549 | 36.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 16 |
| 76689 | 36.3 | EARLY_SIGNAL | VACANCY | — | 24 |
| 76566 | 35.7 | EARLY_SIGNAL | VACANCY | — | 25 |
| 76544 | 35.0 | EARLY_SIGNAL | VACANCY | — | 14 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76528
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.