ZIP
76631
TX · County 48217 · pop 471 (population)
34.2
Opportunity Index
EARLY_SIGNALNational rank #11508
Why This ZIP
ZIP 76631 ranks #11508 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 37.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76631 — 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 48217 — ZIP 76631 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48217 — ZIP 76631 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48217 — ZIP 76631 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 | 26.0 |
| Property Stress | 22.0 |
| Vacancy | 21.8 |
▼ Top 3 Risk Signals
| Construction Pressure | 57.8 |
| Bank Institutional | 34.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#11508
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp37.6
Pulse score32.0
Signal Breakdown — 10 Categories
Vacancy
21.8
Auction / REO
—
Construction Pressure
57.8
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
34.0
Insurance Distress
0.0
Foreclosure / Delinquency
26.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
21.8%
Bank Score
34.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76631 | 32.0 | 23.2 | 0.0 | — |
| County 48217 | 35.8 | 22.3 | 0.0 | 7.1 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76648 | 36.9 | OVERHEATED | VACANCY | — | 22 |
| 76692 | 36.8 | OVERHEATED | VACANCY | — | 22 |
| 76055 | 35.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 76660 | 34.2 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76650 | 34.2 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76673 | 33.8 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76627 | 33.8 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76691 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 14 |
| 76621 | 33.4 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76645 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 22 | 22 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/76631
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.